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Bank of India’s Quarterly House Journal June, 2013

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Taarangan

June 2013

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Khas-Khas

Deblejje°^erÙe ieefleefJeefOeÙeeb ..........14 Bank Launched ‘Top 100 SME Awards’ / Introduction of BOI-Safe in the Bank ....15

mebheeokeâerÙe ceb[ue S. heer. Iegieue

Editorial Board A. P. Ghugal

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Chief General Manager

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Pushpinder Singh

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Rakesh Sinha

Dy. Gen. Manager (L&D)

TDS and its Functions in Finacle ...............................18

yeer. Jeer. GheeOÙes

B. V. Upadhye

vesMeveue yeQefkebâie mecetn (Gòej).......20

mebheeokeâerÙe oue mebheeokeâ Sme. Sce. Mekeâerue

Editorial Team Editor S. M. Shakeel

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Ghe ceneØeyebOekeâ (De. SJeb efJe.) Ghe ceneØeyebOekeâ

Banking as a Fundamental Right – Indian Perspective .............16

General Manager

Dy. Gen. Manager

DeOÙe#e SJeb ØeyebOe efveosMekeâ keâe mebosMe .................................4 Editorial ...............................6

yeeÙeescesefš^keâ ceMeerve : Deye yeQkeâ Deehekesâ ojJeepes hej.........9 Ùen DeeJeMÙekeâ veneR efkeâ heef$ekeâe ceW Úhes uesKeeW ceW JÙeòeâ efJeÛeej yeQkeâ kesâ neW. Opinions expressed in Articles published in this magazine do not necessarily reect the views of the Bank.

Contact : The Editor, Taarangan, Bank of India, Head Ofce, HR Dept., 9th oor, Star House, C-5, G-Block, Bandra-Kurla Complex, Bandra (E), Mumbai-400 051 You can send your contributions by e-mail at headofce.taarangan@ bankondia.co.in Printed, Published and Edited by S. M. Shakeel on behalf of Bank of India, published from Head Ofce : Star House, C-5, 'G' Block, Bandra-Kurla Complex, Bandra (E), Mumbai-400 051 and printed at Magna Graphics (India) Ltd., Kandivali (W), Mumbai-400 067.

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e-Commerce

Critical Thinking ................10

cesjs heeme Jekeäle veneR .................11 Convert a Buyer-Customer into an Account ..................12

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National Banking Group (East) .................................21 Consumer Price Index (CPI) and its impact on Market................................22 The Problem has a Solution!.............................24 National Banking Group (South) ..............................27

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(Yeejle mejkeâej keâe Ghe›eâce) Debkeâ 18 ›eâceebkeâ 12 - petve, 2013 yewkeâ Dee@]Heâ Fbef[Ùee keâer efÉYee<eer efleceener ie=nheef$ekeâe

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(A Government of India Undertaking) Volume 18 No.12 - June, 2013 A Quarterly Bilingual House Journal of Bank of India

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National Banking Group (Central)............................... 37

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efJeefJeOe ................................... 38 meodYeeJevee .............................. 40 Our Love... Our Team...

Our Branch... Airoli .............. 42

F&ceeveoejer ................................ 43 My First Training in the Bank .................................... 46 Save Paper, Environment, Life ...................................... 28 Save House Sparrows ........ 29

keâeJÙeebpeefue ............................. 30

Protection from Cyber Crime ....................... 56

44

ceefnuee MeeKeeSb.......................... 57

Health Plus

efJeefJeOe .................................... 58

Artist of Quarter ................... 34

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Ûeueles-Ûeu

The Star Athlete of BOI ...................................... 35

Shri M.S. Raghavan

meHeâuelee keâer keâneveer................... 36

32

Editors' Choice

Hearty

Congratulations

Training .............................. 47 Power of Dreams ............... 48

veF& MeeKeeSb .............................. 49 Pilgrimage to Shirdi ............. 52 New ATMs / Sports.............. 53

Jeen yeÛÛees .............................. 54

On his appointement as Chairman & Managing Director of IDBI Bank w.e.f. 5th July, 2013.

BOI Parivar wishes him success.

Other Activities ................... 55 Taarangan

June 2013

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DeOÙe#e SJeb ØeyebOe efveosMekeâ keâe mebosMe

efØeÙe meeefLeÙees,

Dear Colleagues,

efheÚueer yeej Deeheves keâye Deheves keâeÙe&YÙemle #es$e mes yeenj efvekeâuekeâj keâeÙe&efve<heeove efkeâÙee Lee? efove Øeefleefove keâer ÛegveewefleÙeeW Deewj ue#ÙeeW keâes Yesovee Deemeeve nw uesefkeâve Skeâ veÙeer Ûegveewleer keâes mJeerkeâej keâj megiece jen efvekeâeuevee keâeÙe&#ecelee ceW Je=efæ keâjlee nw. Deheves efove Øeefle-efove kesâ keâeÙeesË mes efvekeâefueS Deewj mJeÙeb kesâ meJeexòece keâes ØeoefMe&le keâjves kesâ efueS Kego keâes Ûegveewleer oerefpeS.

When was the last time you stepped out of your comfort zone? It’s easy to get stuck in the routine but taking on a new challenge is a great way of getting out of that rut. Move out of your comfort zone and challenge yourself beyond your conditioned thinking to get the Best out of you.

Je<e& 2013-14 keâe nceeje keâejheesjsš ue#Ùe efveOee&efjle nes Ûegkeâe nw. nceW 31.03.2014 lekeâ nceeje JewefÕekeâ meefceße keâejesyeej ` 8.1 ueeKe keâjesÌ[ lekeâ

Our Corporate Plan for 2013-14 has been rolled out.

We have to reach ` 8.1 Lakh Cr. global business mix by 31.03.2014. Do you know your branch/zone/NBG budget?

Hope you are fully aware regarding the stark difference in talking a budget and owing the budget. Not only must you know your budget but also you must achieve the same on monthly basis, especially credit budgets. Find the gaps and work out the strategies to meet the goals.

hengbÛeevee nw. keäÙee Deehe Deheveer MeeKee / Deheves DebÛeue / Deheves Sveyeerpeer kesâ yepeš keâes peeveles nQ? cegPes Gcceero nw efkeâ Deehe yepeš efkeâ ÛeÛee& keâjves Deewj yepeš keâes Øeehle keâjves kesâ efveleeble Heâke&â kesâ yeejs ceW hetCe&leÙee DeJeiele neWies. Deehekesâ efueS kesâJeue Deheves yepeš keâes peevevee ner DeeJeMÙekeâ veneR nw yeefukeâ ceeefmekeâ DeeOeej hej Gmes Øeehle keâjvee Yeer DeeJeMÙekeâ nw efJeMes<ekeâj $e+Ce yepeš. DeJemejeW keâes henÛeeefveS Deewj ue#ÙeeW keâes Øeehle keâjves kesâ efueS keâeÙe&veerefleÙeeB yeveeFS. keäÙee Deeheves Deheveer MeeKee ceW iegCeJeòee mecetn keâe ie"ve keâj efueÙee nw? keäÙee Deeheves Deheveer šerce/MeeKee keâe ‘‘mJeesš’' efJeMues<eCe keâj efueÙee nw Deewj Deheves keâceeb[ #es$e ceW GheueyOe mebYeeJeveeDeesb keâes mecePe efueÙee nw? meJeexòece keâeÙe&veerefle nw Deheveer MeefòeâÙeeW keâe mecegefÛele GheÙeesie Deewj Deheveer keâcepeesefjÙeeW/ keâef"veeF&ÙeeW kesâ ØeYeeJe keâes vÙetvelece keâjvee. nceW Skeâ mebieef"le šerce keâer pe¤jle nw pees efkeâmeer Yeer ÛegveewefleÙeeW keâe meecevee keâjves ceW me#ece nes. Skeâ meHeâue MeeKee ØeyebOekeâ keâer Ùen efJeMes<elee nw efkeâ Jen %eeve keâes yeebšlee nw, lJeefjle efveCe&Ùe ueslee nw Deewj ØeMeemekeâerÙe keâewMeue keâe efJekeâeme keâjlee nw. Deheves GlheeoeW Deewj mesJeeDeesb keâes ‘‘›eâeme mesue’’ keâjves kesâ efueS nceW Deheves meYeer mšeHeâ keâes ØeYeeJeMeeueer efJeheCeve keâceer& kesâ ¤he ceW ØeefMeef#ele keâjvee nw. Skeâ DeÛÚe efJeheCeve keâceer& nesves kesâ efueS Deheves GlheeoeW keâer peevekeâejer nesveer ÛeeefnS, Deheves GlheeoeW Deewj mesJeeDeesb kesâ efJeheCeve keâe keâewMeue nesvee ÛeeefnS Deewj ue#Ùe keâes Øeehle keâjves keâe pegvetve nesvee ÛeeefnS. ØeefleYeeDeesb Deewj mebYeeJeveeDeesb keâer keâceer veneR nw yeefukeâ Ùen pe¤jer nw efkeâ ØeefleYeeDeesb keâes henÛeeve keâj JeebefÚle heefjCeece heeS peeSb. Ûetbefkeâ meYeer yeQkeâes ceW Deye meeryeerSme nw, nce meyekesâ ueieYeie Skeâ meceeve Glheeo, mesJeeSB Deewj yÙeepe oj nQ. Fme meceevelee ceW Ùeefo keâneR mes Heâke&â ueeÙee pee mekeâlee nw Jen mLeeve nw keâeGbšj kesâ heerÚs yew"e JÙeefòeâ pees yesnlejerve ieÇenkeâ mesJee Éeje Ùen ØeceeefCele keâj mekeâlee nw. ceeveJe mebmeeOeve efJekeâeme efJeYeeie Deeves Jeeues efoveeW ceW Deheveer Dence Yetefcekeâe efveYeeves pee jne nw. ieÇenkeâ mesJee keâer iegCeJeòee keâes efJekeâefmele keâjves kesâ efueS nceW Deheves JÙeJenej keâewMeue keâes Deewj

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Have you formed Quality Circle at your branch? Have you done the SWOT analysis of our team/branch and the potential available in your command area? The best strategy is to leverage on our strengths and minimize the impact of our weaknesses/threats. We need to have a cohesive team, which is vital to meet any challenge.

Sharing of knowledge, promptness in decision-making and development of administrative skills are the attributes of a successful branch Manager. We need to train all our staff to become effective marketing personnel to cross sell our products and services. To be good marketing personnel, we need to have the product knowledge, skill in marketing our products & services and a determination to excel/achieve the goals. There is no dearth of talents and potential, however, their talents need to be identified to exploit the potential.

As all the banks are now CBS, we have almost similar products, services and rates of Interest. What is going to make the difference is the man behind the counter i.e. the quality of customer service. HR is going to play a vital role in the days to come. We need to hone up soft skills to improve the quality of customer service. Have a

Chairperson & Managing Director's Message

yesnlej yeveevee nesiee. mekeâejelcekeâ ve]peefjÙee DeheveeSb. Ùeeo jefKeS efkeâ Skeâ mebleg° ieÇenkeâ nceeje yeÇeb[ otle neslee nw pees 10 Deewj ieÇenkeâeW keâes ueelee nw peyeefkeâ Skeâ Demebleg° ieÇenkeâ vekeâejelcekeâ ØeÛeej keâj mekeâlee nw Deewj 100 mebYeeefJele ieÇenkeâeW keâes Deehemes otj ues pee mekeâlee nw. meYeer mlejeW hej Deewj meYeer uesveosve ceW ‘ieÇenkeâ meblegef°’ nceeje ue#Ùe jnsiee. efveÙeefcele leewj hej ieÇenkeâeW keâer yew"keâ DeeÙeesefpele keâjW Deewj Gvekeâer efMekeâeÙeleeW keâe efveheševe keâjW. neue ner ceW nceejs Éeje DeejbYe efkeâS ieS ‘mšej efveJeejCe heesš&ue’ kesâ Øeefle peeie¤keâlee efveefce&le keâerefpeÙes. keäÙee Deeheves nceejs ieÇenkeâeW keâe [ešeyesme lewÙeej keâj efueÙee nw? nceejs Jele&ceeve ieÇenkeâeW lekeâ nceeje ØelÙeskeâ Glheeo hengbÛevee ÛeeefnS. nceejs yeQkeâ ceW Deewmele ØelÙeskeâ ieÇenkeâ kesâ efueS 1.3 Glheeo nQ peyeefkeâ nceejs mecekeâ#e yeQkeâeW kesâ heeme 4 mes 5 Glheeo nQ. efjšsue $e+Ce keâer Deheveer yeQefkeâbie DeeJeMÙekeâleeDeesb kesâ efueS nceejs ieÇenkeâ keâneB peeSbies? ke=âheÙee Fmekeâe DeOÙeÙeve keâjW Deewj ›eâeme-mesue keâjW. nceejs le=leerÙe he#e GlheeoeW Deewj DeeF&.šer meceefLe&le mesJeeDeesb keâe ØeÛeejØemeej keâjW. Fmemes Heâerme DeeOeeefjle DeeÙe ceW Je=efæ nesieer, heÙee&JejCe efnlew<eer nefjle henue keâes yeÌ{eFS Deewj uesve-osve keâes ueeiele ØeYeeJeer yeveeSB. ke=âheÙee Ùeeo jKeW efkeâ nceejs keâejesyeej ceW Je=efæ Thejer mlej kesâ yepeeS veerÛes kesâ mlej hej nesvee DeefOekeâ DeeJeMÙekeâ nw.

Deheves Denb Deewj ›eâesOe hej efveÙeb$eCe jKeW. Ùen ve kesâJeue Deehekesâ JÙeefòeâlJe keâes neveer hengbÛeeles nQ yeefukeâ Fmemes mebmLee keâes Yeer "sme hengBÛeleer nw. efkeâmeer kesâ Denb Deeefo keâer leg°erkeâjCe mes ceeveJe Fefleneme mes mJeefCe&ce DeJemej Deewj yesMekeâerceleer efjMles Keesles pee jns nQ. efJepeslee yeefveS, ØeCeslee yeefveS. ‘Deehe pees keâeÙe& keâjW Gmemes hÙeej keâjvee ÛeeefnS ve efkeâ pees keâeÙe& hÙeeje ueies Jener keâjvee ÛeeefnS’. Kego hej Yejesmee keâjW. Deheveer #eceleeDeesb keâes henÛeeefveS Deewj Deheveer #eceleevegmeej efve<heeove keâerefpeS. osMe ceW ØeÛegj Je<ee& ves ke=â<ekeâeW kesâ ceve ceW peesMe Deewj Guueeme Yej efoÙee nw. Ùen mener DeJemej nw peye nce DeefOekeâeefOekeâ efkeâmeeveeW keâes Dehevee ieÇenkeâ yevee mekeâles nQ Deewj Deheves ke=âef<e keâejesyeej keâes yeÌ{e mekeâles nQ. Deye Ùen ØeceeefCele nes Ûegkeâe nw efkeâ efJeMes<ekeâj ieÇeceerCe Deewj DeOe&Menjer MeeKeeDeesb ceW efJeòeerÙe meceeJesMeve mes keâejesyeej kesâ veS DeJemej efceueves ueies nQ. Fve MeeKeeDeesb kesâ mšeHeâ keâes keâejesyeejer mebhekeâer& / keâejesyeej mecevJeÙekeâ keâes veS keâejesyeej kesâ Øemeej kesâ efueS, KeeleeW keâer efveiejeveer Deewj Jemetueer ceW Je=efæ kesâ efueS MeeKee kesâ Skeâ menÙeesieer neLe keâer lejn mecePevee ÛeeefnS. efjšsue $e+Ce heesš&HeâesefueÙees keâes MeeKeeDeesb keâes hetjer levceÙelee Deewj mecehe&Ce mes mebYeeuevee ÛeeefnS efpemeceW cesjs Devegmeej keâejesyeej keâer Deheej mebYeeJeveeSb nQ. Deehekesâ meYeer ØeÙeemeeW ceW meHeâuelee keâer cebieuekeâeceveeSb.

positive attitude. Remember, a satisfied customer would be your brand ambassador and will bring 10 more clients, but a dissatisfied customer can give a negative publicity and drive away your 100 potential customers. ‘Customer Delight’ at all levels and in all transactions will be our goal. Conduct customers meet regularly and redress their grievances. Create awareness of the ‘Star Nivaran Portal’ started recently by us.

Have you built up a database of our customers? Our existing clients are to be tapped for all the bouquet of products we have. The averages per customer products are 1.3 in our Bank where as peer banks have 4 to 5 products. Where do our customers go for their banking needs for Retail loans? Please study and cross sell. Popularize our Third Party products and IT enabled services. It will augment fee-based income, promote ecofriendly green initiatives, and make transactions cost effective. Please remember that growth in our bottom line is more important than top line growth.

Control your ego and anger. They not only spoil your personality but also can potentially harm the organization. Golden opportunities and precious relationships have been lost in the history of mankind in satisfying someone’s ego or the other. Be a champion, Be a Leader. ‘Liking a thing you do is important and not doing what you like’. Have self-confidence. Identify your potentials and perform to your full potentials.

Wide spread rains in the country has brought cheers amongst the farming community. It is the most appropriate time to bring as many new farmers to our fold as possible and maximize our agricultural business. Needless to emphasize the fact that financial inclusion has now proved to be a great business opportunity, particularly for our rural and semi-urban branches. The staff of these branches now has to treat business correspondent/business facilitator as extended arms of the branches to canvas new business, monitor the accounts and augment recoveries. Let our branches go whole hug to bolster our retail lending portfolios, which I feel is having tremendous potential.

I wish you success in all your endeavors.

(Jeer. Deej. DeÙÙej)

(V. R. Iyer)

Taarangan

June 2013

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mebheeokeâerÙe

Editorial

Dear Readers,

efØeÙe hee"keâes , Deehe meYeer keâes efJeefole nw efkeâ nceves Jele&ceeve efJeòeerÙe Je<e& 2013-14 kesâ efueS ` 8.1 ueeKe keâjesÌ[ keâe keâejesyeej ue#Ùe efveOee&efjle efkeâÙee nw. yeepeej ceW yengle ØeefleÙeesefielee nw FmeefueS nceW JÙeefkeäleiele ue#Ùe yeveekeâj efveOee&efjle ue#Ùe Øeehle keâjves neWies. mekeâejelcekeâ ceeveefmekeâlee SJeb mekeâejelcekeâ Âef<škeâesCe oesveeW ner nceejs JÙeefkeäleiele efJekeâeme kesâ meeLe-meeLe mebmLee kesâ efJekeâeme nsleg DelÙeble cenlJehetCe& nQ. nceW Deheves keâeÙe&#es$e ceW JÙeehle vekeâejelcekeâlee keâes Kelce keâjvee nesiee. Skeâpegš neskeâj Deewj yeQkeâ kesâ Øeefle Dehevesheve keâer YeeJevee mes keâeÙe& keâjkesâ ner nce meHeâuelee keâer Deesj DeieÇmej nesieW. ceQ Deehekesâ meeLe Skeâ ueIegkeâLee meePee keâjvee Ûeentbiee- Skeâ efove keâce&Ûeejer Deheves keâeÙee&ueÙe ceW hengbÛes lees GvneWves ojJeepes hej Skeâ metÛevee heÌ{er efpemeceW efueKee Lee efkeâ keâue kebâheveer ceW Deehekesâ efJekeâeme ceW yeeOee [eueves Jeeues JÙeefkeäle keâe osneble nes ieÙee nw. nce Deehe meYeer keâes Debeflece mebmkeâej ceW Meeefceue nesves kesâ efueS DeeieÇn keâjles nQ efpemes efpece kesâ keâcejs ceW jKee ieÙee nw. ØeejbYe ceW, Jen meYeer Deheves menkeâceer& kesâ osneble hej ogKeer ngS uesefkeâve kegâÚ osj yeeo Jen Glmegkeâ nesves ueies efkeâ DeeefKej Jes keâewve JÙeefkeäle nw pees Deheves menkeâefce&ÙeeW keâer Deewj mebmLee keâer Øeieefle ceW yeeOee yeve jne Lee. meYeer ves meesÛee efkeâ Jen keâewve nw pees cesjer Øeieefle ceW yeeOee yeve jne Lee? Skeâ-Skeâ keâjkesâ jesceebefÛele keâce&Ûeejer leeyetle kesâ meeceves hengbÛe ieS hej peye GvneWves Deboj osKee lees Jen efve:Meyo nes ieS. Jen leeyetle kesâ meeceves mleyOe Deewj ceewve neskeâj KeÌ[s nes ieS, pewmes efkeâmeer ves Gvekeâer Deelcee kesâ ienjs efnmmes keâes ÚgDee Lee. Fme leeyetle kesâ Deboj Skeâ ohe&Ce Lee efpeme efkeâmeer ves Deboj osKee Gmes Dehevee Ûesnje efoKeeF& efoÙee. ohe&Ce kesâ "erkeâ meeceves Skeâ mebkesâle Lee efpemeceW efueKee Lee kesâJeue Skeâ ner JÙeefkeäle nw pees Deehekesâ efJekeâeme keâer meerceeDeeW keâes efveOee&efjle keâjves ceW me#ece nw Jen nw Deehe. Deehekesâ peerJeve ceW leye heefjJe&leve veneR Deelee peye Deehekeâe yee@me yeouelee nw, Ùee Deehekeâe oesmle yeouelee nw, Ùee Deehekeâe meeLeer yeouelee nw, Ùee Deehekeâer mebmLee yeoueleer nw. Deehekeâe peerJeve yeouelee nw peye Deehe yeoueles nQ. peye Deehe Deheveer meerefcele OeejCe mes Deeies meesÛeles nQ, peye Deehekeâes Fmekeâe Snmeeme neslee nw efkeâ Deehe Deheves peerJeve kesâ efueS Kego efpeccesoej nQ. efJeheefòeÙeeW, neefveÙeeb Ùee DemebYeJeeveeDeeW mes [jW veneR, efJepeslee yeveW, Kego keâe Deewj Deheveer JeemleefJekeâlee keâe efJekeâeme keâjW. Deehekeâes meeQhee ieÙee veJeerve mebmkeâjCe peevekeâejerhetCe& uesKeeW, %eeve meePee keâjves, veF& henue, nceejs keâce&ÛeeefjÙeeW keâer GheueefyOeÙeeW Deewj nceejs DebÛeueeW Deewj efJeosMeeW ceW DeeÙeesefpele ieefleefJeefOeÙeeW mes Yeje ngDee nw. nceejs Fme mebmkeâjCe kesâ meYeer Ùeesieoevekeâlee&DeeW keâes OevÙeJeeo. veS mebmkeâjCe keâes heÌ{ves keâe Deevebo G"eSb Deewj Deheveer yesyeekeâ efšhheefCeÙeeb HeadOffice.Taarangan@bankofindia.co.in hej YespeW.

(mejleepe ceesncceo Mekeâerue

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You all are aware that we have stipulated a business target of ` 8.1 lakhs Cr for the current financial year i.e. 2013-14. The market is very competitive and we have to set our Individual targets to achieve the desired goals. Positive mindset and Positive attitude both are very significant for our personal growth as well as organizational success. We have to kill negativity prevailing in our area of operation. Working together with the sense of belongingness towards our bank will lead us to SUCCESS. Let me share a short story with you- One day all the employees reached the office and they saw a big notice on the door on which it was written ‘Yesterday the person who has been hindering your growth in this company passed away’. We invite you to join the funeral in the room that has been prepared in the gym. In the beginning, they all got sad for the death of one of their colleagues, but after a while they started getting curious to know who was that man who hindered the growth of his colleagues and the company itself. Everyone thought who is the person who was hindering my progress? One by one, the thrilled employees got closer to the coffin, and when they looked inside it, they suddenly became speechless. They stood nearby the coffin, shocked and in silence, as if someone had touched the deepest part of their soul. There was a mirror inside the coffin: everyone who looked inside it could see himself.

There was also a sign next to the mirror that said- ’There is only one person who is capable to set limits to your growth: IT IS YOU. Your life does not change when your boss changes, when your friends change, when your parents change, when your partner changes, when your company changes. Your life changes when YOU change, when you go beyond your limited beliefs, when you realize that you are the only one responsible for your life. Do not be afraid of difficulties, impossibilities and losses: be a winner, build yourself and your reality.

The new edition in your hands is full of informative articles, knowledge sharing, new initiatives, achievements of our staff along with activities conducted across zones and abroad.

Thanks to all contributors of this edition.

Enjoy the Edition and send your frank feedbacks to HeadOffice.Taarangan@bankofindia.co.in

Sartaj Mohd. Shakeel)

K e e m e- K ee m e



K h a s- K h a s

yeQkeâme& keäueye, jebÛeer Éeje DeeÙeesefpele keâeÙe&›eâce ceW yeQkeâeW kesâ ØecegKeeW mes yeeleÛeerle keâjleer ngFË DeOÙe#e SJeb ØeyebOe efveosMekeâ ßeerceleer Jeer.Deej. DeÙÙej, meeLe ceW, ce.Øe.

Sveyeerpeer (hetJe&) ßeer Øesce kegâceej, ce.Øe. SJeb Deeb.Øe. ßeer lejueesÛeve efmebn, ceg.ce.Øe. (cee.meb.) ßeer S.heer. Iegieue SJeb ce.Øe. SmeSueyeermeer ßeer Deej.Sce. Øemeeo.

jebÛeer oewjs ceW DeeÙeesefpele ieÇenkeâ meccesueve ceW ieÇenkeâeW keâes mebyeesefOele keâjleer ngFË DeOÙe#e SJeb ØeyebOe efveosMekeâ ßeerceleer Jeer.Deej. DeÙÙej, meeLe ceW, ce.Øe. Sveyeerpeer (hetJe&) ßeer Øesce kegâceej, ce.Øe. SJeb Deeb.Øe. ßeer lejueesÛeve efmebn, ceg.ce.Øe. (cee.meb.) ßeer S.heer. Iegieue.

jebÛeer DebÛeue ceW jepÙeheeue [e. mewÙÙeo Denceo SJeb DeOÙe#e SJeb ØeyebOe efveosMekeâ ßeerceleer Jeer.Deej. DeÙÙej, ce.Øe. Sveyeerpeer (hetJe&) ßeer Øesce kegâceej Deewj DevÙe GÛÛe DeefOekeâejerieCe SmeSueyeermeer yew"keâ kesâ efueS ØemLeeve keâjles ngS.

CMD Smt. V.R. Iyer inaugurating SLBC, Jharkhand office at Ranchi along with CGM (HR) Shri A.P. Ghugal, GM NBG (E) Shri Prem Kumar and ZM Shri Tarlochan Singh and GM SLBC Shri R.M. Prasad. BOI is convener of newly formed SLBC Jharkhand.

CMD Smt. V.R. Iyer addressing all the staff members during the meet organised by Mumbai South Zone at K.C. College Auditorium, Mumbai. ZM Shri D.K. Garg giving welcome speech at the meet.

PeejKeb[ kesâ DeieÇCeer efpeuee ØeyebOekeâeW keâer Jeeef<e&keâ yew"keâ kesâ oewjeve DeOÙe#e SJeb ØeyebOe efveosMekeâ ßeerceleer Jeer.Deej. DeÙÙej, meeLe ceW, ce.Øe. Sveyeerpeer (hetJe&) ßeer Øesce kegâceej, ceg.ce.Øe. (cee.meb.) ßeer S.heer. Iegieue SJeb ce.Øe. SmeSueyeermeer ßeer Deej.Sce. Øemeeo. yew"keâ keâes mebyeesefOele keâjles ngS ce.Øe. SJeb Deeb.Øe. ßeer lejueesÛeve efmebn.

Taarangan

June 2013

7

K e e m e- K ee m e



K h a s- K h a s

CMD Smt. V. R. Iyer addressing in a meet organised by Mumbai North Zone at Sardar Patel Bhavan, Goregaon (West), Mumbai. CGM Shri S. K. Datta, CGM Shri Munir Alam, GM, NBG (W) Shri V.G. Kamath, ZM Shri T. Sudhakar and Staff members during the meet.

GòejeKeb[ ØeosMe ceW Je<ee& mes ngF& leyeener kesâ Âef°iele yeQkeâ Éeje cegKÙeceb$eer jenle keâes<e kesâ efueS [sÌ{ keâjesÌ[ keâer jeefMe Øeoeve keâer ieÙeer. keâeÙe&heeuekeâ efveosMekeâ ßeer yeer.heer. Mecee&, ceeveveerÙe cegKÙeceb$eer GòejeKeb[ ØeosMe ßeer efJepeÙe yengiegCee keâes Ûeskeâ meeQheles ngS. meeLe ceW, ce.Øe. Sveyeerpeer (Gòej) ßeer ieewjer Mebkeâj SJeb ieeefpeÙeeyeeo kesâ Deeb.Øe. ßeer efMeJe kegâceej mejerve, cegKÙe ØeyebOekeâ osnjeotve MeeKee ßeer heer.Deej. veesefšÙeeue.

Bank conducted its AGM at Head office. (L to R) Directors Shri Umesh Kr. Khaitan & Shri K. K. Nair, ED Shri B.P. Sharma, CMD Smt. V. R. Iyer, then ED Shri M.S. Raghavan Directors Shri Neeraj Bhatia, Shri Harvinder Singh & Shri P.M. Sirajuddin.

Welcome New GMs

Shri S. V. Shah

Shri Tarlochan Singh

Shri V. D. Nadkarni

Superannuation of GMs Superannuation D Shri Maganbhai Bhanabhai Dhodia

of ED

D Shri Bhaskar Loku Salian

YeeefjyeQ Éeje ceOÙe ØeosMe ceW keâeÙe&jle «eeceerCe mJejespeieej ØeefMe#eCe mebmLeeve kesâ efveosMekeâeW kesâ Skeâ efoJemeerÙe meccesueve ceW #es.efve. (ceOÙe ØeosMe SJeb ÚòeermeieÌ{) ßeer heer.Deej. jefJe ceesnve leLee ceg.ce.Øe. (cee.meb.) ßeer S.heer. Iegieue SJeb DevÙe DeefOekeâejerieCe. ßeer Iegieue Éeje Fme meccesueve ceW efJeMes<e JekeäleJÙe Yeer efoÙee ieÙee.

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D Shri Ravichandran Raghavachari

We wish all a happy and healthy retired life.

Shri N. Seshadri

Âef°keâesCe

View Point

yeeÙeescesefš^keâ ceMeerve: Deye yeQkeâ Deehekesâ ojJeepes hej... (nQ[ nwu[ ef[JeeFme) jepeerJe kegâceej ieghlee DeebÛeefuekeâ ØeyebOekeâ, Yeesheeue DebÛeue

Yee

jle mejkeâej meceepe kesâ efveÛeues leyekeâeW (iejeryeeW) lekeâ yeQefkeâbie megefJeOee hengBÛeeves keâer pees hegj-peesj keâesefMeMe keâj jner nw Jen Deye meHeâue nesves keâer Deesj De«emej nw. meentkeâej kesâ Ûegbieue ceW keâpe& kesâ leues oyes ngS DeefMeef#ele ieÇeceerCeeW keâes Deepeeo keâjeves kesâ efpeme GösMÙe kesâ meeLe yeQkeâeW keâes je°^erÙekeâjCe efkeâÙee ieÙee Lee Jen Deye hetCe& neslee Øeleerle nes jne nw. meceepe keâe Skeâ yeÌ[e efnmmee pees Deye lekeâ yeQkeâ keâer hengBÛe mes otj Lee, pees keâYeer yeQkeâ veneR ieS, efpevekeâe keâYeer efkeâmeer yeQkeâ ceW Keelee veneR Keguee nw, pees keâce heÌ{s efueKes nQ DeLeJee DeveheÌ{ nQ, Gvekeâes OÙeeve ceW jKeles ngS Yeejle mejkeâej ves Skeâ henue keâer nw Gvekesâ Iej lekeâ yeQefkeâbie mesJee hengBÛeeves keâer DeLee&le nj lejn keâer yeQefkeâbie megefJeOeeSB Gvekesâ ojJeepes lekeâ hengBÛe mekeWâ. Deye meYeer yeQefkeâbie mebyebOeer efJeefYevve keâeÙeesË pewmes pecee, DeenjCe, $e+Ce keâer peevekeâejer, mejkeâejer Devegoeve mebyebOeer Deeefo nj lejn keâer peevekeâejer Øeehle keâj mekeâles nQ. mejkeâej keâer henues mes ner Ùener Ùeespevee nw efkeâ nj JÙeefòeâ keâe Keelee yeQkeâ ceW nesvee ÛeeefnS, Jen Fme veF& lekeâveerkeâer yeeÙeescewefš^keâ ceMeerve kesâ peefjÙes hetje neslee efoKe jne nw. nce yeele keâjles nQ yeeÙeescewefš^keâ ef[JeeFme keâer, pees meYeer Øekeâej keâer yeQefkeâbie megefJeOee Øeoeve keâjsiee Deewj Deheves-Deehe ceW meYeer yeQefkeâbie megefJeOeeDeesb keâes mecesšs ngS nw. yeeÙeescewefš^keâ ef[JeeFme (nQ[ nwu[ ef[JeeFme) kesâ Éeje DeefMeef#ele SJeb keâce heÌ{s efueKes ueesie meYeer Øekeâej keâer yeQefkeâbie megefJeOeeDeeW keâe ueeYe Øeehle keâj mekeâles nQ. yeeÙeescewefš^keâ ef[JeeFme (nQ[ nwu[ ef[JeeFme) keâe ØeÛeej Yeer JÙeehekeâ mlej hej efkeâÙee pee jne nw. JÙeJemeeefÙekeâ ØeefleefveefOe keâes yeeÙeescewefš^keâ ef[JeeFme (nQ[ nwu[ ef[JeeFme) kesâ ØeÛeeueve keâe ØeefMe#eCe efoÙee peelee nw efHeâj Jen Fmekesâ ceeOÙece mes ieÇeceerCeeW mes efceuekeâj SJeb neš yeepeej ceW yeQefkeâbie megefJeOeeDeesb kesâ yeejs ceW ieÇenkeâeW keâes peevekeâejer osles nQ. Identity Customer

Enrol Customer & Collect Biometrics

Authorise Customer in FI Gateway & Open A/c in CBS

Perspnalise & Dispatch Smart Cards

Authenticate Customer and Deliver Smart Card

Yeejle mejkeâej Éeje DeefOeke=âle ¤he mes FmeceW leerve keâbheefveÙeeb keâeÙe&jle nQ šer.meer. Sme. (TATA CONSULTANCY SERVICES)  SÛe.meer.Sue (HINDUSTAN COMPUTERS LIMITED (HCL))  FbšerieÇe (šskeäveerkeâue meefJe&me ØeesJeeF[j) Ùes leerveeW keâbheefveÙeeb yeeÙeescewefš^keâ ceMeerve kesâ lekeâveerkeâer keâeÙe& mes pegÌ[er nQ. Ùes efJeòeerÙe meceeJesMeve keâer Deekeâeb#eeDeesb keâes hetje keâjleer nQ. Yeejle mejkeâej ves ieÇeceerCeeW/DeveheÌ{/keâce heÌ{s efueKes ueesieeW keâes OÙeeve ceW jKeles

ngS meYeer meeJe&peefvekeâ yeQkeâeW keâes efveoxefMele efkeâÙee nw efkeâ yeQkeâ Deheves mlej hej keâeheexjsš JÙeJemeeefÙekeâ ØeefleefveefOe keâer efveÙegefòeâ keâjW, leoghejeble efveÙegefòeâ Yeer keâer ieF& nw. keâeheexjsš JÙeJemeeefÙekeâ ØeefleefveefOeÙeeW ves Deheves mlej hej keâgÚ JÙeJemeeefÙekeâ ØeefleefveefOeÙeeW keâes efveÙegòeâ efkeâÙee nw Deewj keâj jns nQ. Ùes yeer.meer. Skeâ Deece Deeoceer keâes yeQefkeâbie mes peesÌ[ves kesâ efueS Gvekesâ ieebJe ceW peeSbies Deewj Gvekeâes yeQefkeâbie ieefleefJeefOeÙeeW mes DeJeiele keâjeSbies Deewj Gvekeâe Keelee Yeer KeesueWies. Keelee Keesueves keâe Heâece& Yeer yeer.meer. Éeje Yeje peeSiee Deewj FmeceW heefjÛeÙekeâlee& keâer Yeer DeeJeMÙekeâlee veneR nesieer, keäÙeeWefkeâ FmeceW yeer.meer. mJeÙeb heefjÛeÙekeâlee& nesiee. DeeJesove Heâece& hej JÙeJemeeefÙekeâ ØeefleefveefOe Éeje ieÇenkeâ kesâ efueS ieS efHeâbiej efØebš efjkeâe[& ceW keâwhÛej keâj efueS peeles nQ. YeefJe<Ùe ceW mecemle yeQefkeâbie uesve-osve/mebÛeeueve FvneR efHeâbiej efØebš kesâ melÙeeefhele nesves hej neslee nw. yeer.meer. Éeje ieÇenkeâ keâe efve:Megukeâ Heâesšes Yeer efueÙee peeSiee lelhe§eele ieÇenkeâ keâes heemeyegkeâ Yeer GheueyOe keâjeF& peeSieer. hewmee pecee keâjvee/hewmee efvekeâeuevee/veÙee Keelee Keesuevee/ueesve keâer peevekeâejer/mejkeâejer ÙeespeveeDeesb keâer peevekeâejer Yeer yeer.meer. kesâ ceeOÙece mes ieÇenkeâeW keâes Gvekesâ ner ieebJe/neš yeepeej ceW oer peeSieer. Fmemes ‘‘Deehekeâe hewmee, Deehekesâ heeme, megjef#ele hengBÛesiee’’ Fme megefJeOee kesâ ceeOÙece mes Skeâ efove ceW `10000 (ome npeej) lekeâ keâe uesve-osve keâj mekeâles nQ. meeLe ner FmeceW efkeâmeer Yeer Øekeâej keâe DeenjCe/yeeGÛej Yejves keâer DeeJeMÙekeâlee veneR nw. ceMeerve keâe meyemes cenlJehetCe& keâeÙe& Ùen Yeer nw efkeâ Ùeefo efkeâmeer DeefMeef#ele JÙeefòeâ Éeje JÙeJemeeefÙekeâ ØeefleefveefOe kesâ ceeOÙece mes yeQefkeâbie š^ebpeskeäMeve efkeâÙee peelee nw lees Ùen ceMeerve mJeÙeb DeeJee]pe (Voice) kesâ Éeje efkeâS ieS š^ebpeskeäMeve keâes yeleeleer nw.

Fmemes DeefMeef#ele JÙeefòeâ keâes Gmekesâ š^ebpeskeäMeve keâe helee Ûeue peelee nw. yeeÙeescewefš^keâ keâe[& yeveeves keâe keâeÙe& Yeer Ùegæmlej hej peejer nw Deewj Fmekesâ efvecve HeâeÙeos Yeer nQ

KeeÅeevve Je kesâjesefmeve GefÛele cetuÙe keâer ogkeâeveeW hej Deemeeveer mes efceue mekesâiee.  DeblÙeesoÙe Deewj yeerheerSue heefjJeejeW keâes ner efceuesiee ueeYe.  GefÛele cetuÙe keâer ogkeâeve hej keâe[& veneR kesâJeue ketâheve ueskeâj peevee nesiee.  DeblÙeesoÙe Deewj yeerheerSue kesâ jeMeve keâer veneR nes mekesâieer keâeueeyeepeejer.  ogkeâeveeW hej jeMeve efJelejCe keâe efjkeâe[& Yeer Deemeeveer mes GheueyOe nes mekesâiee.

Fmekesâ meeLe ner ogkeâeveW ieÌ[yeÌ[er Yeer veneR keâj heeSbieer. Ùeefo efkeâmeer JÙeefòeâ keâe DeeOeej keâe[& yevee ngDee nw lees Gme JÙeefòeâ keâe veÙee Keelee Deemeeveer mes Keesuee pee mekeâlee nw Gmekesâ efueS efHeâbiej efØebš uesves keâer DeeJeMÙekeâlee veneR nesieer keäÙeeWefkeâ Gme JÙeefòeâ keâe meeje [eše henues mes ner DeeOeej keâe[& yeveJeeles meceÙe efueÙee pee Ûegkeâe nw. Fme Øekeâej Gme JÙeefòeâ keâes mejkeâejer meefyme[er keâe ueeYe Yeer efceueves ueiesiee Deewj ØelÙe#e DeblejCe ueeYe ([eryeeršer) (DIRECT BENEFIT TRANSFER) keâe GösMÙe Yeer meeLe&keâ nesiee. nce meyekeâes Fme megefJeOee keâes Deece peve lekeâ hengBÛeevee nw Deewj Fmekeâe JÙeehekeâ ØeÛeej-Øemeej keâjvee nw leeefkeâ efpeme GösMÙe mes yeQefkeâbie peiele keâer mLeehevee keâer ieF& Leer Jen hetCe&  nes mekesâ.

Taarangan

June 2013

9

Critical

Thinking

‘M

an is born free but everywhere he is in chains’, this observation by noted French philosopher JeanJacques Rousseau (1712-1778) holds good for different aspects of human beings which include their thinking also. Instead of free and objective thinking, generally a person’s thinking is influenced by his/her prejudices, biases etc. In many cases without thinking clearly we derive certain conclusions and then try to justify those conclusions on the basis of our belief, perception etc.

To sustain our earlier beliefs, even though they may be illogical and irrational, we are willing to cover any distance. In this process of satisfying our ego, we can often deny ourselves intellectual growth and various opportunities. Critical thinking is the way to avoid such handicaps and to be in command of how and what we think and how this thinking influences us. Thinking critically is in a way thinking about our thinking. It is not possible to apply critical thinking skills in each and every situation but we should have those skills as and when we need them.

There is enough competition in today’s world. Projects, targets and deadlines drive day to day operations and decisions in the market. Business leaders and managers need to think on their feet to achieve their corporate goals and find solutions to optimize the business prospects of their organization. This brings us to a highly significant question- while taking crucial business decisions should we rely more on our gut feeling or go by critical thinking.

We all have gut feelings but to explain them generally proves to be difficult. This gut feeling which we also call intuition may hold right in many situations but we should not ignore the important fact that too much dependence on intuition leads us to take simplistic decision and can be detrimental to business interests. Many researches have shown how psychological biases cause the human mind to draw incorrect conclusions while taking decisions. In critical thinking such biases can be kept to the minimum, if not avoided altogether.

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Vijay Prakash Srivastava, Faculty Member, MDI, CBD Belapur Critical thinking can be defined in many ways. It can be described as the process of using logical and factual evidence which is relevant to decision making. The focus is on deeply and broadly questioning and testing the ways in which an idea is formed as well as how one has been interpreting and examining the idea. Thinking critically is a disciplined art of ensuring that a person uses the best thinking she or he is capable of in any set of circumstances.

The world best here means mature, balanced and all rounded thinking. An important point to note is that critical thinking is a process and not an outcome. It is about how we think and not what we think. In critical thinking we begin with the right approach, look deeper and farther, ask complex but relevant questions and also reflect on how we are answering these questions. Critical thinking considers the bigger framework. Such considerations become crucial where the stakes are high. Depending on the issue critical thinking may include analysis, synthesis, interpretation and evaluation. Analysis implies breaking something into parts to better understand the parts and the whole. Synthesis is about establishing connection between the parts and the whole to see the pattern of relationships. Interpretation covers examining the connection or connections between the parts and the whole to make inferences about the implications.

Forming judgments about meanings, qualities and values are related to evaluation.

To engage in critical thinking means becoming fully aware of an idea or an action, reflect on it and react to it.

We need to ask ourselves a few questions. Did we ever try to understand- how the mind processes the information, how much of our thinking is of good quality and how much of that is of bad quality? Whether our thinking is vague, inconsistent, incorrect, illogical or superficial?

Do we have any conscious standards to check when we are thinking right and when our thinking is poor? While answering these questions most of us will find that many of us have more or less taken our thinking for granted.

To become a critical thinker and for improving the quality of our thinking we have to examine the above issues seriously. One cannot become a critical thinker overnight but at the same time critical thinking is not a difficult to attain skill. One must be willing to put the efforts required in this regard. If practiced sincerely, critical thinking will become a habit.

One most important characteristic required in a critical thinker is self-awareness. Self-awareness means being conscious of the assumptions, prejudices, biases

DeOÙeÙeve and beliefs which may deteriorate the quality of our thinking and not allowing these to creep in our thinking process. Self-awareness helps us to remain objective in our thinking.

Open mindedness helps us significantly in becoming a critical thinker. An open minded person is one who is ready to consider different viewpoints and perspectives, remains open to alternative interpretations, and welcomes new explanation, model or paradigm if it explains the evidence better or is more consistent or is more data centric. By evaluating all reasonable inferences, accepting new priorities derived from revaluation of the evidence or reassessment of the real issues at stake and also examining unpopular views, an open minded person is in a position to reach a more convincing outcome.

Honesty of purpose is always required in critical thinking. It means a clear understanding of whose interest is to be considered while making a decision, not ignoring any relevant fact and also following the time frame given in the case. If we work with this objective before us there won’t be chances of carrying any hidden agenda as in organizations, the organizational goal is supreme.

A critical thinker uses rationality. Use of rationality can be related to relying on reason and not on emotion, seeking evidence, not ignoring any known evidence which has a meaning in the situation and following evidences. Rationality also means being concerned more with finding the best explanation and asking valid questions.

Critical thinking also requires discipline. Here we are disciplined when we are precise, meticulous and comprehensive, don’t look for shortcuts; resist manipulation and irrational appeals and avoid snap judgments.

ogefveÙee keâer nj ]KegMeer nw ueesieeW kesâ oeceve ceW, hej Skeâ nBmeer kesâ efueS Jekeäle veneR~ efove jele oewÌ[leer Fme ogefveÙee ceW, efpeboieer kesâ efueS ner Jekeäle veneR~ ceeB keâer Ùeeo keâe Snmeeme lees nw~ hej ‘ceeB’ keâes ‘ceeB’ keânves keâe Jekeäle veneR~ meejs efjMleeW keâes lees nce Kelce keâj Ûegkesâ, Deye GvnW oHeâveeves keâe Yeer Jekeäle veneR~ meejs veece ceesyeeFue ceW nw, uesefkeâve ‘oesmleer’ kesâ efueS Jekeäle veneR~ iewjeW keâer keäÙee yeele keâjW, peye ‘DeheveeW kesâ efueS’ ner Jekeäle veneR~

Learning

Critical thinkers are ready to challenge their beliefs and keep learning from situations and experiences. They look at the surface and also beneath the surface. They know things are often different from how they appear.

Critical thinkers are different from non-critical thinkers who consider their facts as the only relevant ones, take their own perspective as the only sensible one and feel their goals the only valid goals.

It will be wrong to assume that critical thinkers will not make any mistake and their decisions will always be perfect ones. But one thing can be said for sure i.e. the probability of making mistakes and taking wrong decisions will be much less for those who think critically than those who are non-critical thinkers. That is why critical thinking is recommended for executives, managers and decision makers.

In today’s scenario when uncertainties are increasing and it’s gradually becoming difficult to predict future, critical thinking assumes more value. Although critical thinking is important for everyone in the organization, those in higher positions require it more as their decisions have a wider impact. Promoting critical thinking should be on agenda of any organization that calls itself progressive and professional.

Critical thinking does not discount or subvert the experience that gut brings, rather it complements it.

Conscious use of critical thinking enables people to examine the judgment of their gut or intuition and arrive at a well-reasoned decision. So, we can find some value in becoming a critical thinker. 

cesjs heeme Jekeäle veneR

keâeJÙeebpeefue hewmes keâer oewÌ[ ceW nce Ssmes oewÌ[s, efkeâ ‘Lekeâves’ keâe Yeer Jekeäle veneR~ efkeâmeer ‘Snmeeme’ keâer keäÙee yeele keâjW, peye Deheves ‘meheveeW’ kesâ efueS ner Jekeäle veneR Deye let ner yelee Ss efpeboieer, Fme ogefveÙee keâe keäÙee nesiee? efkeâ nj heue cejves JeeueeW keâes, peerves kesâ efueS efceuelee ÙeneB Jekeäle veneR!

DeeBKees ceW nw ‘veeRo’ Yejer hej ‘meesves’ keâe Jekeäle veneR~ efoue nw ‘ieceeW’ mes Yeje ngDee, hej jesves keâe Yeer Jekeäle veneR~

DeJeveerMe kegâceej nefjÉej MeeKee ieeefpeÙeeyeeo DebÛeue Taarangan

June 2013

11

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Banking Plus

Buyer-Customer

Convert a into an Account The goal of an organization should be to develop a Buyer into an Account, stage by stage.

A man died. He was told he had a choice between Heaven and Hell.

He insisted that he wanted to look around before arriving at a decision. He found that Heaven was manned by god; it was serene and bathed in a white light. People were very friendly, walking around in white robes, singing hymns. It was nice but a tad boring. On his visit to Hell, he was surprised to find people having fun. They were playing golf or watching TV, and the weather was very pleasant.

It was manned by the devil. He opted for Hell.

But when he eventually arrived in Hell, everything was different. It was hot and terrible. People were miserable and sick. “What happened,” he asked the devil. “This isn’t what I saw when I visited.”

“When you were visiting,” replied the devil, “you were a PROSPECT. Now my good man, you’re a CUSTOMER!”

T

he days of the above story are over. Today’s customer is pampered with choices and over pampered with service. You can no more ask today’s customer - “Do you want lower price, better service or high quality products?” No marks for guessing, for his answer will be”ALL THE THREE.” Today’s organizations have to deal with a new breed of customers who carry a new customer ego - “I want to buy the way I want to buy.” Most organizations are yet to catch up with this new breed of customers. As a result, customers feel over promised and under-delivered.

Little wonder that the level of customer loyalty is low.

Loyalty implies that the customer buys from you repeatedly. A customer is one for whom buying from you has become a HABIT. Without a strong track record of

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Viswanath Inguva AGM (Retd.) & Ex-Principal, STC, Chennai

repeat purchase, he cannot be termed a customer; he is only a buyer. A buyer graduates into a customer when he makes regular purchases. A customer develops into an account when he starts purchasing across product and service lines, recommends to others to buy from you and most importantly, when he has become immune to the pull from competition. An account is built over time. Organizational focus should be on building stable accounts rather than making a single sale. You transact with buyers, relate with customers and partner your accounts.

Increased customer loyalty will result in enormous cost saving in an organization. It will mean reduced marketing costs, for customer acquisition costs a lot more money than getting an existing customer to make repeat purchases. It costs seven times more to generate a new customer than to get an existing one to repeatedly purchase from you. Customer loyalty also means reduced customer turnover expenses and increased crossselling income. As much as customer retention and account building have a positive impact on profitability, customer defection and losing of an account to competition has a negative impact. When you lose an account - a long-

term customer, it really affects your bottom line because a long-term customer does not tend to be overly sensitive to price.

The key benefits of building an account are:  Sales go up because the customer is buying more from YOU.  You strengthen your position in the market when customers buy from you INSTEAD of your competitor.  Marketing costs go down because you don’t have to spend money on attracting a repeat customer, since you already have him.  Being a satisfied customer, he tells his friends, thereby reducing your advertising budget a little.  You are better insulated from price wars because a loyal customer is less likely to be lured away by a little discount.  Finally, a happy customer is likely to sample your other product lines, thus helping you to acquire a larger customer share.  The above results in a scenario where the company spends less on acquiring new customers; consequently, it can afford to pay its employees better. Better pay prompts a chain reaction with a host of benefits. If a company is able to retain good employees, loyalty both within and outside the company improves - from employees as well as customers.

An account is built in stages.

1. Stage one - a suspect. We call them suspects because we suspect that they may buy from us, but we don’t know for sure. A suspect is one who has just become aware of your product.

2. Stage two - a prospect. A prospect is someone who must qualify on at least two key criteria: The need for your product or service and his ability to make the decision to buy. However, we disqualify a prospect at this stage when we know that they don’t have the decision making ability to make the purchase, though they may have the need for the product or service. The sooner you disqualify a prospect, the better it is. Following up with an unqualified suspect or prospect is a waste of money, time and effort.

The goal is to turn qualified prospects into first-time customers, then into repeat customers and eventually develop them into accounts.

3. Stage three in building an account is transacting with first-time buyers. He makes the initial investment on your product or service. A buyer will buy from you, and will also buy from your competitor. He is still making his post-purchase evaluation. From an organizational perspective, making a sale isn’t the objective of the marketing process. It is the beginning of a lifetime relationship with the customer. It’s a rare case when a customer can be sold something only once. The first-time buyer is essentially trying out your product or service. If a continuing relationship has to be developed, it has to begin with the first purchase. If the first purchase does not

satisfy the buyer, there will probably not be a second. He forms a set of perceptions based on his buying experience. If the perceptions meet or exceed his expectations, there is a good likelihood that he will purchase again.

4. This leads to stage four, where a buyer has turned into a customer. He repeatedly purchases from you.

5. Stage five is to develop this customer into an account.

Every interaction should be seen as an opportunity to add value. It is important that your interaction with repeat customers works to deepen the relationship. This customer in turn responds with more information about himself, becomes increasingly loyal and continues to push sales and profit upwards. These actions enable the repeat customer to view your business not just as a building with a particular address or phone number, but as an organization of human beings with whom he has developed a relationship.

The relationship has progressed into trust; now you can be more proactive with the client. You have proved that you are dependable and accountable. You have now earned his confidence, and he increasingly seeks your inputs on ideas and services. Value addition becomes mutual.

He starts encouraging others to buy from you. He talks about you and does marketing for you. When the customer goes out of the way to use your services, even if doing so means paying a little more, it shows that he has ceased to see you as a salesperson; he sees you as an ally, a partner. When the relationship develops to this level, there is little a competitor can do to lure him away. You develop a strong and ongoing relationship that makes him immune to the pull from competition.

The goal within each stage of development is to take the relationship to the next stage of development. The goal of interacting with the prospect is to turn a prospect into a first-time buyer, the buyer into a customer and the customer into an account. Failure to develop a one-time buyer into an account ROBS the company of profit and valuable referrals.

A study shows that the probability of selling something to a prospect is only about 5% to 20%, while the probability of selling something to an existing customer is 60-70%. Surveys show that on an average, it takes about seven calls to close a first sale and only three to close a subsequent sale. So it makes business sense to develop accounts.

So, instead of trying to think of a strategy that will appeal to the whole universe and coming up with nothing, concentrate on individual sales, individual customers, and groom them into accounts - this will lead to overall improvement in sales and profit. How do I sell ten thousand tickets for the next game? Easy, you sell it one ticket at a time and then give them a good game! The future games will be taken care of.

Take care of your customer’s future and he will take care of yours.

Taarangan

June 2013

13

Deblejje°^erÙe ieefleefJeefOeÙeeb

International Activities

hegjmkeâej

Awards

Prof. Njuguna Ndung'u, Governor, Central Bank of Kenya on the occasion of ‘Diamond Jubilee Celebrations of Kenya Centre’ along with the then ED Shri M.S. Raghavan, Chief Executive Kenya Centre, Shri R.K. Verma and CGM Shri S.K. Datta.

CMD Smt. V.R. Iyer receiving ‘National Award for outstanding performance for implementing PMEGP programme in East Zone’ at the hands of the Hon’ble Minister of MSME, Govt. of India Shri K.H. Munirappa at the function organized at Vigyan Bhawan, New Delhi.

CGM, RMD, Shri Munir Alam receiving the licence for starting Repressentative Office in Yangaon from the Governor of The Central Bank of Myanmar Mr. Than Nyein ot Naypyidawcapital of Myanmar.

CMD Smt. V. R. Iyer receiving the “Best Banker” Award at the India SME Excellence Awards-2013 on the occasion of 19th Foundation day Celebration of SME Chamber of India for Exemplary Contribution in Banking Sector.

Minister of Civil Defence & Associate Minister of Commerce, Government of New Zealand Hon'ble Mr. Craig Foss along with MD Shri P. N. Rao and other staff officers during his visit to our subsidiary BOI New Zealand.

Chief Technology Officer Shri Sameer J. Ratolikar has been awarded by Fanatic media for his ‘Exemplary Work in Technology Risk’. Shri Ratolikar receiving the award from Chief Editor, Fanatic Media Shri B.D. Roy.

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veF& henue

Bank Launched

New Initiative

‘Top 100 Sme Awards’

O

ur Bank has always been a pioneer in setting benchmarks, be it international through its finance schemes. In this direction, recognizing SME’s contribution as growth operations, automating its operations through core banking solutions and empowering women entrepreneurs drivers of our economy, has over 100 specialized branches strategically located in industrial areas catering to SME business; besides has set up credit processing centers in all

major cities to ensure speedy credit.

Our Bank also provides free credit counseling to the needy.

Recognizing today’s SME unit are tomorrow’s corporate, Bank

has launched the TOP 100 SME AWARDS, to reward the major contributors in SME space. The Bank is committed to remain vibrant and sensitive to the needs not only of SMEs, but also to Start-ups and Innovative ventures. We have several customized schemes to meet the financial needs and constantly evolve new schemes to fund them.

Bank of India is happy to join hands with ‘INDIA SME FORUM’ an emerging NGO for propelling the SME movement.

Introduction of Boi-Safe in the Bank A Secure Tool to Access our IT Applications from Internet

For adding more security and convenience on internet, Bank has introduced BOI-SAFE through which our staff members will be able to access applications like HRMS, STARDESK, MMS etc. over the Internet more securely with single sign-on. Single Sign ON means “SINGLE PASSWORD”.

SALIENT FEATURES OF BOI-SAFE 1. First step is click on “New Users-register Here”. Go to Https:// starvpn.bankofindia.com and click on “New Users-Register” 2. BOI-SAFE project is a Single Sign On token like STARTOKEN which when installed on your mobile device, will allow you to access our IT applications in a safe and secure manner that to with SINGLE PASSWORD. Applications like HRMS, MMS can be accessed from INTERNET/CYBER CAFÉ/ from HOME securely with a Single Username, Password and URL. To reiterate, BOI-SAFE is a single Sign On, Two Factor authentication project to access our applications like HRMS, EMAIL from anywhere securely and with a single username and password. NO Multiple URL, no separate passwords. After BOI-SAFE, access to all our applications, devices will be with

two Factors token only and no direct access will be allowed from Internet.

3. There are three ways to access our IT applications using BOISAFE. First approach would be downloading Mobile App in your Smart Phone. Second would be SMS based OTP-One Time Password. Simply get Password your Mobile phone in the form of SMS. 4. Third Option would be using “Hardware Tokens”. But this is only for few set of users for infrastructure management purpose.

Use BOI-SAFE to access all applications from Internet safely and securely.

For any clarification/help, please contact: l Shri

Vikas Kumar Choudha, Chief Manager (IS), vikas.choudha@bankofindia.co.in, 022-67447172

Taarangan

June 2013

15

yeQeEkeâie hueme

Banking Plus

banking products and services will be made available to everybody in next three years.

Banking as a Fundamental Right –

2. Affordability: Though large number of accounts have been opened in the recent past, there are no transactions in a large proportion of these accounts, primarily because the cost of transaction is high. Further, banking is not a service that is to be provided by the State. It is a service that has to be provided on commercial lines.

Therefore, it should be affordable.

Indian Perspective Dr. Om Prakash Lal AGM MCB, Ludhiana

F

undamental Rights, enshrined in the Constitution of India, guarantee civil liberties such that all Indians can lead their lives in peace and harmony as citizens of India. These include individual rights common to most liberal democracies, such as equality before law, freedom of speech and expression, and peaceful assembly, freedom to practice religion, and the right to constitutional remedies for the protection of civil rights by means of writs such as habeas corpus.

Over a period of time, a debate has been going on as to whether Banking can be included in the ambit of fundamental right in the Indian context.

Global Perspective Under Canadian law, everyone has the right to open a personal bank account. A bank cannot refuse to open a bank account for an individual merely because he/ she is unemployed or does not make a minimum deposit or because he/she has previously been bankrupt — as long as they have the proper identification.

Likewise, in the UK, banks cannot refuse to open an ordinary

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deposit account except where it is not possible for the bank to identify the customer in a reliable manner or bank has reasons to suspect abuse or if it has any past experience of the customer materially breaching the contract entered into with the bank.

EU is presently holding consultations on a document which, among others, seeks to ensure facilities of consumers’ access to basic bank accounts, including a provision which allows switch over of the bank account providers, including on a cross-border mode.

Thus, across the globe, the provision of a basic banking account for the consumer is considered a right.

Indian context In India, RBI has issued guidelines advising banks to offer a ‘Basic Savings Bank Deposit Account’ without any minimum balance and provision of basic services without any charges (subject to limitations of operations), thus, conferring a right to every citizen to have a bank account.

The three pre-requisites 1. Access: For Banking to have an effect of a fundamental right, it has to be available on the doorsteps of the individuals. RBI is targeting that

3. Fair and transparent delivery: For the people to avail of banking services, the delivery should be consistently fair and transparent. Use of improved technology can make the system more reliable.

Therefore, for making a demand for declaring banking a fundamental right, the bankins services have to be made accessible, affordable and reliable from an implementation perspective.

Credit is fundamental right – Mohd Yunus Grameen Nobel Peace Prize winner Muhammad Yunus, a Bangladeshi economist driven by his belief that credit is a fundamental human right, established the Grameen Bank in Bangladesh in 1983. He hoped to help impoverished people escape poverty by providing loans and teaching them sound financial principles.

From Yunus’ personal loan of small amounts of money to destitute basket weavers in Bangladesh in the mid-70s, the Grameen Bank has advanced to the forefront of a burgeoning world movement toward eradicating poverty through microlending. Replicas of the Grameen Bank model operate in more than 100 countries worldwide.

However in Indian context, Bank credit is available only to those people who are credit worthy.

The need therefore is to educate the people, make them financially literate and credit worthy to take them out of poverty.

It is for this reason that the Reserve Bank is vigorously pursuing the twin policy objectives of financial inclusion and financial literacy. 

keâejesyeej

Business

Electronic commerce (or e-commerce) encompasses all business conducted by means of computer networks. Advances in telecommunications and computer technologies in recent years have made computer networks an integral part of the economic infrastructure.

More and more companies are facilitating transactions over web. There has been tremendous competition to target each and every computer owner who is connected to the Web.

Vivek Prasad Kerala Zone

I

n simple terms, E-Commerce is the buying and selling of goods and services on the Internet, especially the World Wide Web. In practice, this term and a newer term, e-business, are often used interchangeably.

People use the term “e-commerce” to describe encrypted payments on the Internet. Sometimes these transactions include the real-time transfer of funds from buyer to seller and sometimes this is handled manually through an eft-pos terminal once a secured order is received by the merchant.

Auction sites such as Ebay and TradeMe have done an enormous amount to get ordinary people involved in online trading. Internet sales are increasing rapidly as consumers take advantage of lower prices offer by wholesalers retailing their products.

Doing e-business is cost effective; it reduces logistical problems and puts a small business on a par with giants such as Amazon.com or General Motors. Every financial transaction eventually turns into an electronic process.

Unlike the brick-and-mortar environment, in e-commerce there is no physical store space, insurance or infrastructure investment. All you need is an idea, a unique product, and a well-designed web storefront to reach your customer.

E-mail is one example of how people collaborate to exchange information and work on solutions. It has transformed the way organizations interact with suppliers, vendors, business partners and customers.

Banks facilitate E-commerce by: 1) Net banking/phone banking: This is an online banking facility available for savings account holders as well as current account holders. Some of the special Net banking services are: Demat accounts for sale/purchase of stocks and shares, Foreign Exchange services, Direct/Instant payment of bills on the account-holder’s behalf, Financial Planning.

2) Credit/Debit Cards: the most vital trade instrument, namely the Credit or Debit Card, without which E-commerce would be impossible.

For developing countries like India, e-commerce offers considerable opportunity. E-commerce in India is still in nascent stage, but even the most-pessimistic projections indicate a boom. Indian middle class of 288 million people is equal to the entire U.S. consumer base. This makes India a real attractive market for e-commerce. A report by the Internet and Mobile Association of India has revealed that India’s E-commerce market is growing at an average rate of 70 percent annually and has grown over 500 percent since 2007. Apparently, more online users in India are willing to make purchases through the Internet.

India has an internet user base of about 137 million as of June 2012. The penetration of e-commerce is low compared to markets like the United States and the United Kingdom but is growing at a much faster rate with a large number of new entrants.

As of 2012, most of the e-commerce companies are yet to start making money. However, due to their growth prospects, many venture capital firms such as Accel Partners have invested considerably. In one of the biggest fund rising, Flipkart.com, in August 2012, raised about `822 crore (US$ 149.6 million). Entertainment ticketing website BookMyShow.com raised `100 crore (US$18.2 million) investment by Accel Partners.

But security continues to be a problem for online businesses. Data protection and the integrity of the system that handles the data are serious concerns. Computer viruses are rampant, with new viruses discovered every day. Viruses cause unnecessary delays, file backups, storage problems and other similar difficulties. The danger of hacker accessing files and corrupting accounts adds more stress to an already complex operation.

But it has created a new economic ecosystem and has become the virtual main street of the world. Today e-commerce has grown into a huge industry which tends to strengthen in the coming time. 

Taarangan

June 2013

17

%eeveJeĂŚ&ve Knowledge Plus

and its Functions in Finacle Tax deduction at Source or TDS as it is called is applicable on certain payments made. This is applicable as per norms set by Government of India, Income Tax Department.

N. C. Gupta Faculty, ITTC, Pune

A

s a banker we should know where and on what it is applicable.

with PAN number TDS02. System will not accept TDS02 without PAN number.

It is applicable on Payments to contractors, on rent, on Salary and on Interest on securities.

The option of Form 15G / H is not to be suggested as a tax evasion measure.

At branch level it is the responsibility of the Branch Head, i.e. the person heading the branch in whatever scale he may be,to see that the TDS norms are applied properly.

It is also to be mentioned that only individuals can submit Form 15G/H. All other bodies have to take a TAX/TDS exemption letter every year from their assessment Officer.

The accounts involved are Solid Suncr066, Suncr116, Suncr115, GENSUS011 and Sundep021.

Recently a the format of Form 15G / H has been circulated by the bank.

Every day TDS is deducted by the system on maturing term deposits or on renewal of term deposits and parked in office account suncr066.

The branch has to take out a report,for previous month, after month end, from Finacle DR > Misrpt > others > TDS01.

This report lists details of TDS deducted CustID wise. Total of this report must match with the balance in Suncr066.

Looking at this report, the branch will come to know of the TDS deducted, may be in branch, VIP accounts or Large amounts of TDS deducted. Branch can contact the customers and inform them about the TDS having been deducted.

Any customer whose total projected annual income is less than taxable income limit as applicable to him/her can submit form 15 H (Senior Citizens) or 15 G in triplicate, along with a copy of his PAN number (one for branch record, second copy to be sent to IT commissioner and Third copy to be given to customer as acknowledgement AFTER ensuring that the details have been added in CUMM.) Without PAN number the option in CUMM is TDS20 and

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Important details to be entered in CUMM are date of submission of Form 15 G/H and will remain in effect up to end of next financial year. For example Form 15G/H submitted on 15.05.2013 will remain effective up to 31.03.2014.

It has to be given every year in April or May. In case a customer gives 15G /H after TDS has been deducted but not yet remitted, the branch can refund the TDS deducted through the menu RFTDS. Input will be customer id / account number and date from and To for TDS deducted.

The amount of TDS deducted will be taken to SUNCR115 from where it can be transferred to any operative account of the customer.

After refunds, the TDS balance in suncr 066 has to be remitted to your Zonal Office for onward electronic remittance to Income Tax Department. Although the Last day for TDS remittance is 7th of next month, we should remit to ZO before 5th so as to give some cushion to ZO. Sometimes it happens that the TDS to be deducted is more than the interest being credited and either the customer has not given TDS operative account from where to deduct TDS or there is no balance in it. In that case

the shortfall is debited from Office account Gensus011.This account is a system account and no manual entry is allowed.

Later on the customer can deposit money in his operative account and we can recover the amount through the Menu RECSHF. Otherwise on maturity or renewal of the concerned TDR account, the shortfall will be recovered along with the interest from the date of debit. It is why we put interest on TDS as “Y” while opening TDR account.

If we are opening the Term Deposit account through ONS menu HOAACTD, then we also have a Tab IMPACT ON TDS to know the projected TDS of that customer or we can try the menu HTDSPROJ to know the projected TDS of a customer.

Normally any TDS account for over Rs 50,000/- should not be opened without PAN number and also any customer depositing over Rs One lakh can be informed about liability of TDS. To know the maturity value we can use the menu DEPMOD. It can also be used to enquire principal to be deposited today for a certain maturity value after a certain period.

After the TDS report is taken out and refunds affected on the basis of Form 15 G or H, we have to remit the amount of balance in suncr066 to Zonal Office making it NIL for the previous month.

Then we should use the Menu RMTDS to put a logical lock on refunds. Thus there should never be a debit balance in suncr066 and no deduction of a particular month remain outstanding after 7th of next month.

There is also an account Suncr116 for tax deducted quarterly from NRO accounts. For these accounts report can be taken out from Finacle DR > Misrpt > Deposits > withholding tax Report for each quarter. This amount also should be remitted to the ZO. We use the Menu TDSCHM for entry of challan details for the

amounts remitted by the ZO, who will send us counterfoil of the challan.

At the end of every quarter we also use the menu TDSCHREP for feeding the detail and the Menu TDSDL to download the quarterly data which has details of individual TDS deducted, refunds and challan filed every month.

With the help of this download the branch CA files the quarterly report 26Q and give us acknowledgement of the same.

The branch should have copy of Monthly TDS01, copy of Quarterly report on withholding tax, copy of Form15G/H, counterfoil of challan and acknowledgement of quarterly report.

In rural branches, farmers may not have PAN number or a person may not have PAN number if his income is not taxable. In such situation Farmers can submit FORM61 and others Form 60, a copy of which must be sent to the Income Tax Commissioner at least every half year.

If a customer requires merely interest certificate, we can give him from the menu INTCERT. But for TDS, now we have to register the branch on NSDL website and after the quarterly report is filed, then we can download Form 16 for Tax Deduction from the site and give it to the customer after being signed by the branch head. No manual interest TDS certificate is to be used.

quarterly interest to be credited. But Finacle applies the interest up to 26/27 of the month and the remaining amount is added to next quarter.

But of course the total interest paid, TDS deducted or refunded can be enquired through the menu ACM sub option 2.

Interest is payable monthly or quarterly or half yearly in MIC and QIC accounts. The interest goes directly to their interest credit accounts if entered at the time of opening accounts. If it is not there (in migrated accounts from CIBEX), the interest gets parked in Office account Sundep021.

This Office account should also be explored entry wise and we can know for which account interest is parked . Through ACM and CUMM we can find the operative account of that TDR account holder. If it is properly confirmed, then we can link the operative account in ACM. This Office account should also be made NIL every fortnight. In case we are unable to trace the operative account, then we can take a jotting of pending credit entries and keep them in a separate balance book. Normally the balance should either remain static or reduce in this account. 

Jeen yeÛ

Wah Ba Ûees chho

If the branch is deducting other TDS, like TDS on rent, for payment to Auditors, then we have to credit the amount in suncr066 and give the data like TAN and Pan account number of the party to Data Centre to enable the proper upload by the CA. Interest on Savings account and RD accounts is exempt from TDS. To enquire for interest payments, we can use the F option in Menu ACM, to know the flows. The interest credit is never as per the flow because flow tell us the exact half yearly or

Maithili D/o Shri Milind M. Mulay, Chaken Branch is awarded Second Best National Award 2013 by Theater Movement Organisation, Cuttak, Odissa for Acting.

Taarangan

June 2013

19

vesMeveue yeQeEkeâie mecetn (Gòej) O National Banking Group (North)

ieefleefJeefOeÙeeb

Activities

veF& efouueer DebÛeue ceW vejekeâeme kesâ lelJeeOeeve ceW DeeÙeesefpele efouueer efmLele yeQkeâeW kesâ mšeHeâ meomÙeeW kesâ yeerÛe jepeYee<ee efveÙece/DeefOeefveÙece ØeefleÙeesefielee ceW ce.Øe. Sveyeerpeer (Gllej) ßeer ieewjer Mebkeâj, #es.keâe.keâe. jepe.efJe. ie=n ceb$eeueÙe Yeejle mejkeâej ßeer vejsvõ cesnje keâe mJeeiele keâjles ngS.

uegefOeÙeevee DebÛeue ceW DeeÙeesefpele ØeyebOekeâ meccesueve keâes mebyeesefOele keâjles ngS Deeb.Øe. ßeer Deveble GheeOÙeeÙe. meeLe ceW, me.ce.Øe. SmeSceF& efmebšer meWšj ßeer S.kesâ. efmebieuee.

ueKeveT DebÛeue kesâ Dee.Øe. ßeer ce=lÙegbpeÙe kegâceej ieghlee ‘nsuhe SpegkesâMeveue SC[ Ûewefjšsyeue š^mš’ Éeje jòeâoeve keâes Øeeslmeeefnle keâjves kesâ efueS DeeÙeesefpele meebmke=âeflekeâ keâeÙe&›eâce `‘Skeâ Meece peiepeerle efmebn kesâ veece’` keâe MegYeejbYe keâjles ngS. meeLe ceW, cegKÙe DeefleefLe efJeOeeÙekeâ SJeb hetJe& DeOÙe#e Ùetheermeermeer ßeerceleer jerlee yengiegCee peesMeer SJeb DevÙe efJeefMe<š DeefleefLe.

ueKeveT DebÛeue keâer Deceerveeyeeo MeeKee Éeje DeeÙeesefpele ‘$e+Ce efMeefJej’ ceW Deeb.Øe. ßeer ce=lÙegbpeÙe kegâceej ieghlee ieÇenkeâeW keâes $e+Ce he$e Øeoeve keâjles ngS. meeLe ceW Deceerveeyeeo kesâ Mee.Øe. ßeer peer.heer. ef$ehee"er SJeb DevÙe DeefOekeâejerieCe.

ieeefpeÙeeyeeo DeÛebue ceW DeefOekeâejer SJeb efueefhekeâ Jeie& kesâ efueS DeeÙeesefpele efnboer keâeÙe&Meeuee keâes mebyeesefOele keâjles ngS Dee.Øe. ßeer efMeJe kegâceej mejerve SJeb meeLe ceW efJeMes<e DeefleefLe hebpeeye vesMeveue yeQkeâ ßeerceleer MeesYee Mecee&.

veF& efouueer DebÛeue keâer jesefnCeer meskeäšj-24 MeeKee ceW ‘‘OeveeOeej keâe[& efJelejCe meceejesn’’ kesâ oewjeve kesâvõerÙe ceb$eer, ceefnuee SJeb yeeue efJekeâeme ceb$eeueÙe ßeerceleer ke=â<Cee leerLe& keâe DeefYevebove keâjles ngS ceefnuee mšeHeâ.

JeejeCemeer DeÛebue ceW [e@. YeercejeJe Debyes[keâj peÙebleer kesâ DeJemej hej DeeÙeesefpele keâeÙe&›eâce ceW yeQkeâ Smemeer/Smešer/Deesyeermeer SmeesefmeSsMeve kesâ heoeefOekeâejerieCe DeOÙe#e, ßeer MecYetveeLe SJeb meomÙe ßeer ØesceveeLe, ßeer Devethe keâewMeue, ßeer melÙeevevo SJeb DevÙe mšeHeâ meomÙe.

veF& efouueer DebÛeue kesâ efJeheCeve efJeYeeie Éeje DeLe& meeFbme MeeKee ceW DeeÙeesefpele cee®efle meg]pegkeâer ueesve cesues kesâ oewjeve efJeheCeve DeefOekeâejer.

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vesMeveue yeQeEkeâie mecetn (hetJe&) O National Banking Group (East)

ieefleefJeefOeÙeeb

Activities

Hešvee DebÛeue cesb Yee.efj.yeQ kesâ GHe ieJeve&j ßeer SÛe.Deej. Keeve kesâ oewjs kesâ oewjeve DeeÙeesefpele keâeÙe&keâce ceW Sveyeerpeer (Het=Je&) ce.øe. ßeer øesce kegâceej, #es.efve. ßeer Heer.kesâ. pesvee, GHe ieJe&vej Yee.efj.yeQ. ßeer SÛe.Deej. Keeve, ce.øe. DeeF&.šer. ßeer HegeE<Heoj eEmen, Dee.øe. ßeer Sce.Sve.S. Debmeejer.

Howrah Zone Marketing Executives during the Education Interface 2013, Education Fair organized at Howrah. During fair, Zone registered 1315 contacts and were able to generate 367 prospective leads.

cegpeHeäHeâHegj DeÛebue ceW DeeÙeesefpele øeyebOekeâ meccesueve kesâ oewjeve Deeb.øe. ßeer pes.kesâ. ßeerJeemleJe, GHe Deeb.øe. ßeer kesâ.kesâ. DeÙÙej, ceg.øe. ßeer levceÙe oeme SJeb DevÙe DeefOekeâejerieCe.

kesâvogPej vejekeâeme keâer 7JeeR yew"keâ kesâ DeJemej Hej vejekeâeme keâer Deesj mes øekeâeefMele kesâvogPej leeefjCeer kesâ leermejs Debkeâ kesâ efJeceesÛeve DeJemej Hej meefceefle kesâ DeOÙe#e SJeb Dee.øe. ßeer Dee.kesâ. uesbkeâe, ceg.øe. (je.Yee.) Sveyeerpeer hetJe& ßeer Sue.Sce. kegâues"e, meomÙe meefÛeJe SJeb Jeefj.øe. ßeer megveerue yeeje meefnle meomÙeieCe.

efmeefueiegÌ[er DebÛeue, jbieOeceeueer MeeKee keâer Mee.øe. Skeâ ke=â<ekeâ «eenkeâ keâes š^skeäšj keâer Ûeeyeer meeQHeles ngS. meeLe cesb, DevÙe mšeHeâ meomÙe.

efmeefueiegÌ[er DebÛeue keâer ceeue yeepeej MeeKee kesâ Mee.øe. ßeer Ûebõ Yet=<eCe øemeeo SmeDeejšerDees kesâ Debleie&le Skeâ ceefnuee GÅeceer keâes Jeenve keâer Ûeeyeer meeQHeles ngS.

YeeieueHegj DebÛeue keâer efleuekeâceebPeer MeeKee ceW DeeÙeesefpele ceele=efoJeme kesâ DeJemej Hej Deeb.øe. ßeer S.kesâ. efceße, GHe ceneHeewj ßeerceleer øeerefle MesKej SJeb mšeHeâ meomÙe.

Bhubaneswar Zone ZM Shri S.C. Sarangi and DZM Shri L.K. Sethi along with the staff during the felicitation of the champions Jayadev Vihar Branch and Bhubaneswar MCB for ranking No. 1 in SIP collection and BOI AXA Liquid Fund mobilization respectively organized during BOI AXA Mutual Fund Foundation Day Contest.

Taarangan

June 2013

21

yeQeEke창ie hueme

Banking Plus

d n a ) I P C ( x e d n I e c i r P r e m t u e s k r a Con M n o t c a p m i its

CA Suresh Kumar Agarwal Inspection & Audit, HO

Introduction: In accordance with the Government of India (Allocation of Business) Rules, 1961, as amended from time to time, it is the responsibility of the Ministry of Statistics and Programme Implementation the Central Statistics Office (CSO). Ministry of Statistics and Programme Implementation releases Consumer Price Indices (CPI) for all-India and States/UTs separately for rural, urban and combined every month. The methodology of compilation is the responsibility of the Ministry of Labour and Ministry of Statistics and Programme Implementation, respectively. The Labour Bureau, an attached office of the Ministry of Labour & Employment, has been compiling and disseminating Consumer Price Index Numbers for Industrial Workers (CPI-IW) since its inception in the year 1946. The Labour Bureau brings out CPI Numbers for Industrial Workers (Base 1960=100) in respect of 50 centers (comprising 32 factory centers, 8 mine centers and 10 plantation centers), an all-India index which is a weighted average of the indices for the 50 centers was compiled and published. As per the recommendations of International Labour Organization (ILO) the family income and expenditure surveys should at least be conducted at intervals not more than 10 years. These surveys are conducted under the guidance of technical Advisory Committee on Statistics of price and Cost of living (TAC on SPCL).

A consumer price index (CPI) measures changes in the price level of consumer goods and services purchased by households. The CPI is a statistical estimate constructed using the prices of a sample of representative items whose prices are collected periodically. Subindexes and sub-sub-indexes are Coverage: computed for different categories Two types of data are needed to generate the CPI: Price data and Weighting data. and sub-categories of goods and The price data are collected for a sample of goods and services from a sample of sales services, being combined to outlets in a sample of locations for a sample of times. The weighting data are estimates of produce the overall index with the shares of the different types of expenditure in the total expenditure covered by the index. These weights are usually based upon expenditure data obtained from expenditure weights reflecting their shares in the surveys for a sample of households or upon estimates of the composition of consumption total of the consumer expenditures expenditure in the National Income and product Accounts. covered by the index. It is one of The index is usually computed monthly, or quarterly, as a weighted average of subseveral price indices calculated by indices for different components of consumer expenditure, such as food, housing, clothing, each of which is in turn a weighted average of sub-sub-indices. The index most national statistical agencies. The reference period, usually called the base year, often differs both from the weightannual percentage change in a CPI is reference period and the price reference period. used as a measure of inflation.

The selection of markets for price collection in each center is done in consultation with the concerned State Government authorities and other recognized user interests. The price collectors and supervisors, entrusted with the collection of prices from the selected markets/shops, regularly, every week/month, are generally the employees/officials of the State Bureaus of Economics and Statistics or the State Labour Department concerned as also by the regional offices and headquarters of the Labour Bureau.

Periodicity of the publication of the CPI is monthly, within one month after the end of the reference month. The CPI (IW) and CPI (AL/RL) data are released simultaneously to all interested parties by the Labour Bureau by issuing the press releases Press Note on Consumer Price Index (Industrial Workers) and Press Note on Consumer Price Index (Rural Labourers). The CPI (UNME) data are released simultaneously to all interested parties by the Ministry of Statistics and Programme Implementation by issuing the press release

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prices for some items and the elasticity of prices for other items.

Press Note on Consumer Price Index (Urban Non-Manual Employees). Data are disseminated for 3 separate consumer price indices:  The Consumer Price Index for Industrial Workers (CPI [IW]);  The Consumer Price Index for Rural Labourers (CPI [AL/ RL]) and  The Consumer Price Index for Urban Non-Manual Employees (CPI [UNME]).

The CPI-IW is presented in a clear manner in user-friendly tables. However, indexes are published for five main aggregates only: (1) Food, pan, supari, tobacco, and intoxicants; (2) Fuel and Light; (3) Housing; (4) Clothing, bedding and footwear; and (5) Miscellaneous, and for nine and five sub-aggregates under main aggregates 1 and 5, respectively.

Index series for, say, fuel, or electricity, or for all goods or all services are thus not available.

All-India Average Consumer Price Index Numbers for Industrial Workers (Base 2001=100) Item General Index

March’12 April’12 201

205

May’12

June’12

206

208

July’12 August’12 212

–

These index numbers are used by industry, commerce and Government to regulate the dearness allowance not only of their industrial workers, but also other employees including officers. It is therefore only natural that the workers and their trade unions are deeply exercised over the movements in the index numbers, as their pay packet, specifically the dearness allowance component is linked to the movement of these indices. These indices have therefore attracted considerable attention and close scrutiny of the various user interests, particularly the trade union organizations, who have expressed dissatisfaction with several aspects of these index numbers.

CPI and Market: The financial markets have become more sophisticated over time, investment products have been created to help even the average person hedge inflation risk. Mutual funds or Banks, concerned about rising inflation might purchase special inflation protected bonds also known as Treasury Inflation Protected Securities (TIPS). Movements in the prices of goods and services most directly affect fixed income securities. If prices are rising, fixed interest payments are worthless. Modest and steady inflation is to be expected in a growing economy, but if the prices of resources used in the production of goods rise quickly, manufacturers may experience profit declines. On the other hand, deflation can be a negative sign indicating a decline in consumer demand.

In this situation, manufacturers are forced to drop prices to sell their products but the resources and commodities used in production may not fall by an equivalent amount. Hence the company’s margins are squeezed due to the stickiness of

Inflation in all major indices largely followed each other i.e.

CPI and WPI. The gap between WPI and CPIs had widened in 2009-10 due to higher food inflation, as food items have a much larger weight in the CPI vis-à-vis the WPI. Food items contribute a weight of 46.20% in the CPI-IW and 69.15% in the CPI-AL as against 24.31% in the WPI. However in the financial year (2011-12), the gap has significantly narrowed due to drastic fall in food inflation, and the CPI-IW and WPI are tracking each other closely. Food inflation for all CPIs and the WPI was about 2% in December’11 and dropped further in January’12. WPI food articles inflation turned negative in January ’12.

Measures to Contain Inflation: The government monitors the price situation regularly as price stability remains high on its agenda. Measures taken to contain prices of essential commodities include selection ban on exports and futures trading in food grains, zero import duty on select food items, permitting import of pulses and sugar by PSUs, distribution of imported pulses and edible oils through quota of non-levy sugar. In addition state governments are empowered to act against hoarders of food items by holding in abeyance the removal of restrictions on licensing, stock limits and movement of food articles under the essential Commodities Act 1955. Government measures to contain inflation particularly Food Inflation are as below: i) Fiscal Measures

In this measures government cut import duty, permitted certain Board & Corporation to import essential commodities.

ii) Administrative Measures

In this measures government levy restriction on full or partial export of essential food grains. Monitored price systems, tariff rate and central issue price for below poverty line (BPL) etc.

iii) Monetary Measures

As part of the monitory policy review stance, the RBI takes suitable steps with increase or decrease in policy rates and related measures to moderate demand to levels consistent with the capacity of the economy to maintain its growth without provoking price rise.

Conclusion: The prices of goods and services fluctuate over time, but when prices change too much and too quickly, the effects can shock an economy. The CPI, the principle gauge of the prices of goods and services, indicates whether the economy is experiencing inflation, deflation or stagflation. The CPI is the most important and widely watched economic indicator and it’s the best known measure for determining cost of living. It gave directions to investors in making appropriate investment decision and protecting themselves. 

Taarangan

June 2013

23

%eeveJeæ&ve Knowledge

H

Plus

The Problem has a

Solution!

owever, the common is the objective to hear / know the genuine work related and personal / interpersonal problems faced by employees which affect their work with a view to amicably resolve the same to the extent possible in the shortest possible time within the prevailing scenario / rules / regulations.

And the steps identified are: 1. first, to acknowledge the existence of grievances, 2. second to identify them and 3. third to seek remedial amicable solutions, measures to resolve the same to the extent possible.

Bank of India Grievance Redressal System (BOIGRS) We have landed strongly:

We are Listening...

Dr. Niraj Chaturvedi Faculty, MDI, Belapur

Work place conflicts are almost unavoidable.

Not because that there are conditions created by any agency for the conflicts but because that attitudes are bound for that. To be more specific, it would be relevant to quote the sentences “peneB Ûeej yele&ve neWies, DeeJeepe keâjWies ner” and “nce PeieÌ[e GvneR mes keâjles nQ efpevemes nce hÙeej keâjles nQ”.

The personal grudge of having a complaint or a strong feeling that one has been treated unfairly is termed as: Grievance. The same when arose in work place, makes a bigger impact on almost all spheres of activity.

However, the grievances real or imaginary, are a part of human relationship. They arise even in the basic unit of society – family. To tackle the same, social scientists working for different corporations have come out with some formulations during the years and have been able to resolve at their level. Still the subject is lesser taken than what ought to be.

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The Bank Management, being sincerely concerned about the genuine grievances of the employees believing that employees’ grievances are manifestation of their dissatisfaction on certain issues which, if not promptly attended to, may cause frustration amongst the employees affecting his working for the development of the institution, has introduced a formal grievance redressal mechanism named as Bank of India Grievance Redressal System (BOIGRS). (refer BC 106/87 dated 05.09.2012.)

Scope and coverage: The procedure for Grievance Redressal System (GRS) is applicable to both officers as well as workmen staff who are on the regular rolls in the Bank up to the level of Senior Management Grade Scale-V. Employees in higher levels i.e. in scale VI/VII may take up their grievances, if any, with their respective reporting officer and in the event their grievance is with the said authority then with the next higher authority.

Nature of grievances: Grievance for the purpose of this system means individual grievance of the employee and include l

Complaints relating to unfair treatment by his/her superior;

l

Complaints regarding salary payments, special allowance, grant of increments, recovery of dues, deductions from salary, payment of subsistence allowance, leave, leave encashment, seniority;

l

Complaints regarding subsidized accommodation/allotment of banks quarters/flats;

l

Any other complaints relating to working conditions, and rights/privileges of concerned employee under the prescribed terms and conditions of service/employment.

However, the grievance arising out of the following issues shall not come under the purview of this system, unless there is a clear-cut case of victimization/ injustice supported by documents: l

Terms of appointment/employment as laid down in the service conditions;

l

Issues of non-promotion / Annual Performance Appraisal;

l

Matters relating to disciplinary action taken, departmental enquiries, investigations and vigilance cases;

l

Where the grievance does not relate to an individual employee;

l

Transfers/posting as per Bank’s prevailing guidelines.

Procedure for redressal of grievance: The individual grievance of the employee is to be dealt with as per the procedure laid down below : i. An employee shall furnish his grievance(s) in writing in the prescribed format to their respective Grievance Redressal Officer (GRO) nominated/prescribed. ii. The said Grievance Redressal Officer shall examine the grievance and, wherever necessary, will consult such other departments which are related/concerned with the grievance raised and shall communicate back the decision, in writing, to the concerned employee, preferably within a period of 15 working days of its receipt. The said Grievance Redressal Authority, while looking into the grievance, shall give fair opportunity to the complainant/staff to establish his case wherever required and deemed proper before arriving at the decision. For the purpose of giving fair opportunity he may at his sole discretion call for additional details/documents from the applicant and/or even consider to grant a personal hearing only if so requested for by the concerned complainant/staff. iii. In case the employee/complainant is not satisfied with the decision of the Grievance Redressal Officer or does not receive any reply/response to his complaint within a period of 20 days from the date of submission of his application, he may submit his grievance in the prescribed format within a period of 15 days from date of receipt of reply from the Grievance Handling Officer or expiry of 20 days from date of submission of his application to the Appellate Authority as prescribed in the Schedule. The said Appellate Authority shall examine the grievance(s) vis a- vis the action taken by the GRO, if any, and if deemed proper, shall discuss the matter with the concerned department to which the grievance pertains for having it resolved wherever possible and convey his decision within 15 days from the date of receipt of the complaint.

General Conditions: a. The employee shall bring up his grievance immediately and in any case within a period of three months of its occurrence.

However, if permitted by GM(HR), in special circumstances, grievance pertaining to a period more than 3 months back, can be put by the employee before the Grievance Redressal Officer for his consideration. In such cases, the said Grievance/Complaint should be directly sent to the General Manager (HR) at Head Office by the concerned employee stating reasons for delay. However, in such case decision taken by the G.M. (HR) shall be binding on the employee. b. If the grievance arises out of an order given by the Management, the said order shall be complied with before the employee concerned invokes the procedure laid down for redressal of his grievance; c. In all proceedings under the Grievance Redressal System, the employee shall, if directed by the Authority as deemed proper by them, appear himself to present his case. However, no travelling or halting allowance or any reimbursement of expenses will be made for this purpose. No duty leave etc. will also be sanctioned for the said purpose.

Withdrawing a grievance: The employee may terminate his/her grievance under this

system at any time by delivering to the Grievance Redressal Officer a written notification requesting such withdrawal.System for review of pending court cases filed by the employees against the Bank on their individual grievances/disputes:

Another feather in the cap A Review Committee has been set-up with objective to examine all pending court cases which have been filed by the employees of the Bank/Trade Unions/Associations on their behalf against the Bank on individual staff matters relating to their conditions of service/terms of employment etc. and explore the possibility of any out of court settlement on the issues involved.

The Committee is to look into only those specific cases relating to the service matters of employees/ex-employees relating to their individual staff relating grievances. However, the cases relating to the following issues shall not come within the purview of the said review : i. Disputes on the policies formed/guidelines issued by the IBA/ Govt. of India/ Bank for its employees; ii. Matters involving action taken by way of terminating services of the employees as a consequence of vigilance cases relating to misappropriation, theft, fraud committed by the individual employee, unless there is a clear-cut case of victimization/ injustice to the individual supported by documents.

Procedure for Review: i. The individual employee/unions/associations who have filed the said court cases shall approach, alongwith proposals for amicable out of court settlement to resolve the dispute, to the respective Zonal Managers of the Zones to which the matter pertains to, who in turn will examine and forward the proposal to the General Manager H.R. Department, Industrial Law Division, Head Office, alongwith their recommendations/ views and financial implications on the Bank, in case it is decided to settle the matter out of court. ii. The Zonal Managers of the concerned Zones shall also, on their own, review the court cases filed by the employees which are pending at their level and after discussions and carefully going through the facts of each of the case, submit their proposal for review of the case along with their recommendations on measures to be adopted for resolving these cases for out of court settlement along with financial implications, if any, on the Bank. iii. A committee shall be constituted which shall examine all such cases along with the proposal for amicable out of court settlement of these court cases and come to a consensus decision bringing out the possibility of any settlement. If so, the terms of said settlement. iv. The said committee shall place their recommendations/ views to the Chairman & Managing Director who shall give a final consent / dissent for out of court settlement. v. The decision taken by the Chairman & Managing Director would be final and binding.

VI. In case it is decided to amicably settle the matter out of court, the concerned employee shall have to withdraw his petition pending before the court before the settlement arrived at is acted upon/implemented.

All in all, when we say “Relationship beyond Banking” we mean it, and yes- “we are listening”. 

Taarangan

June 2013

25

vesMeveue yeQeEkeâie mecetn (heefMÛece) O National Banking Group (West)

ieefleefJeefOeÙeeb

Activities

keâesunehegj DebÛeue kesâ oewjs kesâ oewjeve keâe.efve. ßeer yeer.heer. Mecee& mebyeesefOele keâjles ngS. cebÛe hej ceg.ce.Øe. ßeer S.heer. Iegieue, Deeb.Øe. ßeer ØekeâeMe YeeieJeleJeej SJeb Ghe Deeb.Øe. ßeer Sme. ieesheeuepeer.

veeiehegj-~~ DebÛeue ceW DeeÙeesefpele ØeyebOekeâ meccesueve ceW Sveyeerpeer (he.) kesâ ce.Øe. ßeer Jemeble ieesheeue keâeceLe, Deeb.Øe. ßeer Øemeeo peesMeer keâer GheeqmLeefle ceW Mee.Øe. keâes hegjmke=âle keâjles ngS.

veeiehegj DebÛeue-1, ceesjebieCee MeeKee Éeje 50JeeR Je<e&ieeb" kesâ DeJemej hej DeeÙeesefpele $e+Ce efJelejCe meceejesn kesâ oewjeve lelkeâeueerve Deeb.Øe. ßeer Deefpele keâes[x mebyeesefOele keâjles ngS.

veeiehegj DebÛeue-1 ceW vejekeâeme kesâ jpele peÙebleer keâer 50JeeR yew"keâ kesâ oewjeve meefceefle kesâ meomÙeeW keâes mebyeesefOele keâjles ngS DeOÙe#e SJeb Deeb.Øe. ßeer efceeEueo JewÅe.

Goa Zone GM, NBG (West) Shri. V. G. Kamath addressing the valued customers of Goa Zone along with ZM Shri Sudhir S. Jade and DZM Shri Virendra Kumar.

Goa Zone - An Aquagaurd Water purifier was donated by BOI to New English High School, Keri. Trustee Shri Milind Kerkar, Principal Smt. Fernandes, ZM Shri Sudhir Jade and Br. Mgr. Arambol Branch Shri Tapan Kumar Patro.

keâesunehegj DebÛeue Éeje efpeuee peLe SJeb cenvekeâue kesâ metKeeieÇefmele ieebJeeW ceW ‘heeveer keâer šbefkeâÙeeb’ Øeoeve keâer ieF&. Fme DeJemej hej yeer[erSce meebieueer ßeer Jeer.Sve. oueJeer, meebieueer DeieÇCeer efpeuee ØeyebOekeâ ßeer Mewuesvõ Deesb[keâj, ceeOeJeveiej MeeKee kesâ Jeefj<" MeeKee ØeyebOekeâ ßeer Sce.Jeer. yeeheš Je mšeHeâ meomÙe.

keâesunehegj DebÛeue, keâer Dece=leveiej MeeKee Éeje oòekeâ ieebJe leuemegbos ceW DeeÙeesefpele ‘efJeefòeÙe mee#ejlee’ heesJee[e kesâ oewjeve Deeb.Øe. ßeer ØekeâeMe YeeieJeleJeej, me.ce.Øe. ßeer yeehet meesjšs Je heesJee[e šerce.

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vesMeveue yeQeEkeâie mecetn (heefMÛece) O National Banking Group (West)

ieefleefJeefOeÙeeb

Activities

vesMeveue yeQeEkeâie mecetn (oef#eCe) O

National Banking Group (South)

veeiehegj DebÛeue-1 keâer JeOee& MeeKee Éeje 12JeeR keâ#ee keâer ØeeJeerCÙe Øeehle Úe$eeW nsleg DeeÙeesefpele iegCeieewjJe meceejesn ceW Deeb.Øe. ßeer efceeEueo JewÅe Úe$e keâes mecceeefvele keâjles ngS. meeLe ceW, JeOee& efpeueeefOekeâejer ßeer veJeerve meesvee SJeb me.ce.Øe. SmeSceF& efmešer meWšj.

CMD Smt. V.R. Iyer during the review meeting of Karnataka Zone along with GM NBG (S) Shri Charan Singh, ZM Shri A.K. Azad and other Sr. Officers.

Navi Mumbai Zone, Thane (M) celebrated Golden Jubliee Function of the Branch. (L to R) Chief Guests Project Director, DRDA Shri Ankush Bagte & ZM Shri B. K. Mohanty, Dr. Harikant Bhanusal and AGM, Thane Branch Shri K. Anwar.

GM NBG (S) Shri Charan Singh, ZM Shri R.S. Chouhan along with ‘Star Performers for the year 2012-13’ of Hyderabad Zone.

veJeer cegbyeF& DebÛeue keâer keâeshejer keâe@ueveer ("eCes hetJe&) MeeKee ves "eCes hetJe& efmLele keâceefueveer keâCe&yeefOej efJeÅeeueÙe keâes efJeÅeeefLe&Deesb kesâ efJekeâeme nsleg oes keâchÙetšj YeWš efoS. Fme DeJemej hej ceg.Øe. ßeer ue#ceerOej heb[e SJeb DevÙe mšeHeâ DeefOekeâejer.

Karnataka Zone ZM Shri A.K. Azad inaugurating a seminar organized at Belgaum on ‘Customer friendly banks need of the hour’ arranged jointly by the MMEIs and sponsored jointly by the UGC and our bank.

veeiehegj DebÛeue-1, heebÛeieebJe MeeKee kesâ Mee.Øe. ßeer peieoerMe veejveJejs, SmeDeejšerDees kesâ Debleie&le Skeâ «eenkeâ ßeer efJeog<e Deekeâjs keâes Ûeeyeer meeQheles ngS.

kesâjue DebÛeue ceW DeeÙeesefpele efnboer keâeÙe&Meeuee ceW Deeb.Øe. ßeer ceveespe keâhetj, Ghe Deeb.Øe. ßeer Deej. efJeMJeveeLe, vejekeâeme meomÙe meefÛeJe ßeer Deej.kesâ. pewve SJeb GheefmLele ØeefleYeeieerieCe. Taarangan

June 2013

27

peeie¤keâlee Awareness

PAPER! ENVIRONMENT! LIFE! We all know that paper is made from tree & how important trees are in our life.

Some facts & figures 1. Approx. 324 L. of water is used to produce 1 KG of Paper (Source: Environment Canada) 2. Paper manufacturing is the 3rd largest user of fossil fuels worldwide.

Source: American Forest and Paper Association 3. Paper manufacturing is the largest industrial user of water per pound of finished product.

Source: American Forest and Paper Association 4. 10,000 trees are cut down annually in China to make holiday cards.

Source: Xinhua News Agency 5. 3 cubic yards of landfill space can be saved by one ton of recycled paper.

Source: 50 Simple things you can do to save the Earth, Jodi B., Sudbury 6. Every ton of recycled paper saves about 17 trees.

Source: Purdue Research Foundation and US Environmental Protection 7. Recovered paper is used to make a variety of products, including copier paper, paper towels and napkins, corrugated boxes, and hydraulic mulch.

Source: Environmental Health and Safety Online These facts & figures shows how we harm our environment by wasting paper.

Even after knowing the consequences of living without trees & water, we waste voluminous amount of paper in various forms.

Many industries are wasting paper but here we will discuss how much Banking industry contributes in wasting of paper & thereby harming the environment.

Jitendra Bhatia New Delhi Zone

Tips to save paper at office * Print only when it is absolutely necessary and promote a 'think before you print' attitude. * Set computer defaults to print double-sided. * Proof read documents on screen before printing. You don't want to reprint pages because of errors that could have been avoided. * Print addresses directly on envelopes and avoid using labels. * Fill copier trays correctly to avoid paper jams. * While buying paper or diaries, stick to recycled paper with a high percentage of post-consumer recycled content. * Opt for uncoloured paper and buy in bulk to reduce packaging. * Encourage reusing paper that has been printed only on one side. * Trim mailing lists used to send information to your customers to avoid unwanted and duplicate mailing. * Change the paper cups in the pantry with ceramic stuff that can be washed and put back on the shelf. * Use the fastest and paperless way to mail documents- email. * Reuse cardboard shipping boxes. Shipping boxes can be reused many times. * Send wastepaper for recycling * If you can, stop buying the newspaper and read the E paper instead. * Get your name off mailing lists that send you promotions you don't care about. * Opt for E-bill options with your phone, electricity service providers. * Get washable cloth towels for the kitchen and cut down on paper towel usage. * Teach children not to tear paper from notebooks to make airplanes. * If you enjoy reading, join a library rather than buying books. * Give wastepaper for recycling through Kabadiwala * Switch to recycled toilet paper. * Don't accept promotional fliers as they are going to go straight into the bin.

I present one example related to the closing statements generated every quarter.

When we save paper, we reduce the need to cut down trees.

For closing returns / statements each branch is wasting on an average 150 number of papers, which means of the 4200 branches , 630000 (150*4200) number of papers in one quarter is wasted & every year 2520000 number of paper is wasted per bank. Therefore for about 19 nationalized banks the amount of paper wasted in a year by banking industry is 47880000! and this is just for one specified work I discussed. Likewise there are many instances where we are wasting huge amounts of paper.

Paper accounts for more than half of all municipal solid waste.

Anything we can do to save paper will help reduce the amount of trash going into landfills, and it will also reduce energy use and pollution associated with manufacturing, transporting, and recycling new paper products. Whether you have a home office or work in an office with others, you can save paper by implementing some minor changes in your work habits.

Please give it a serious thought and implement suitably.

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Save Papers = Save Trees & Enjoy Life!!!

View Âef°keâesCe Awareness peeie¤keâlee Point

T

he House-sparrow (Passer domesticus) is found in most part of the world with a reputation for playfullness and noisy chorusing; sparrows are a welcome sight in Gardens, parks, backyard and homes. They are extremely social birds, often feeding, bathing, dusting and roosting in large groups or small groups. They stay within few meters of cover always alert for predators and darts in to hedges or perch on preferably on acacia tree or Berry plants (Zizyphus nummularia) nearby.

Pairs are almost always monogamous (One life partner), choosing nest-sites that they return to together year after year.

Despite its size, the House-sparrow is an extremely hardy bird, can make its home in almost any environment. Colonies of hose-sparrows can be found at altitude as high as 3000 mtrs (9000 ft) and can even survive in areas with no open water by feeding on berries. I had seen huge flock of around 600 of them roosting on a huge berry tree in desert national Park, sudashri, jaisalmer. Mostly they prefer to make their homes near human habitations including villages, farms and even busy cities. The association goes back centuries.

The pair stays together for life. This faithful partnership are formed when the birds are still juveniles, witha young male selecting a site in man-made structures, cliffs or even openings inside street lights. Before chirruping loudly in order to attract the mate, the male with light grey head, brownish back, black breast and white belly, makes a loud call, monotonous tsi,tsi,tsi or cheer droops his wings and struts about arrogantly, twitching his partly cocked tail. Once a pair is formed, they line the nest with feather, moss, cotton dry grass, threads feathers etc. leaving a small entrance. Female lays her eggs around 3 to 5, pale greenish white, stippled, blotched with brown. Both birds take part in incubation and feeding, the fledglings are feed with insects like aphids and caterpillars and larvae and then weaved on to vegetable matter .Fledglings leave the nest after 2 weeks to explore the world. Successive broods are often raised.

Declining Population: The House-sparrow was one of the most common birds in the world but in recent past, this bird has seen decline over much of its natural range in both urban and rural habitat. The decline of House-sparrow is an indicator of the continued degradation of the environment in which we live. It is also a warning bell that alerts us to watch out for detrimental effects on our health and well-being. I have observed since many years that they prefer to live in the colonies in the out skirt of cities where there are hedges, trees, farms, open land from where they can easily collect nesting materials and enough insects to feed their fledglings.

The modern construction as they prefer to tuck in to crevices. Destruction of their habitat to lack of insects to rear their young is also one of the reason.

Save House Sparrows Jaipal Singh Jadeja Jamnagar Branch Rajkot Zone

You can make a difference: We can individually encourage youngsters, our neighbour to save this sweet friend of ours. Feel a shallow dish or a bowl with a water in the verandah or balcony or backyard. Keep grains like pieces of rice or wheat or bajra or kang. Food you offer should be around the water bowls. Change the water in the bowl every day. Sparrows are seed eaters, needs more water. Keep the Shallow dish or bowl with water in a shady place, see that water is changed every day otherwise birds can fall ill. Make sure feeding sparrows or birds are safe from Dogs, cats and human foot falls.

Fix the nest boxes near this feeding area, fixed or hanged near roofs or lid and on the wall made of hard board or recycle wood mostly in brown shade to keep off rain drops, away from sun. There should not be any perch so that predator’s gains a grip. It should be around food and water you offer, where this nest box can be opened for inspection. People living in bungalows or homes around Parks, Gardens or people in societies in the outskirt of the city should be encourage to use nest boxes where results will be more successful. Teach children of school the value of birds how we can just give them space and save them.

I personally keep a dish with a waste of broom sticks brush into a 3 inch pieces and jute strings and a cotton from my farm tied with thread or pasted on the dry stick on my terrace, helps sparrows to collect these nesting materials. In cities you can request and guide garden officer to plant organic garden, more hedges. Birds feeder distributed by Wohra community was great work done 2 years back...Around cities, villages or towns, on the edges of rivers or water tunnels, plant like Desi babool (Acacia nilotica) should be planted where they mostly prefer to roost. I had seen around 800 House sparrows roosting on single Babool tree in outskirt of Jamnagar.

20th March was celebrated as World House - Sparrow day, let us help and spread message to protect them and conserve and produce more habitat for them. Invite sponsors to donate Nest boxes. We can collectively, we can do miracle.

SAVE HOUSE SPARROWS, SAVE ENVIRONMENT.

Taarangan

June 2013

29

keâeJÙeebpeefue

Poems

kegâojle keâe keânj leejerkeâ cemeto JeejeCemeer DebÛeue

keäÙee efmelece letves Ss YeieJeeve keâj efoÙee nBmeleer–Kesueleer yeefmleÙeeW keâes Jeerjeve keâj efoÙee osKe YetKe mes leÌ[he jnW nQ yeÛÛes DeheveeW keâes {tBÌ{les efyeueKe jnW nQ yeÛÛes osKe ueng mes iebiee Yeer ueeue nes ieF& Keeskeâj yeÛÛeeW keâes ceeB Yeer yesneue nes ieF& osKe nj lejHeâ yenleer ueeMeeW keâe ceb]pej štšleer efyeKejleer meeBmeeW keâe ceb]pej ceevee kesâ nw Keleekeâej yengle iegveenieej yengle ceiej Fvmeeb legPemes keâjlee nw hÙeej yengle megve ues let Fvekeâer ceemetce ueeÛeej DeeneW keâes keâj os cee]Heâ let Fvmeeb kesâ iegveeneW keâes efHeâj mes yevee os nmeerve Ùes JeeefoÙeeB yemee os efHeâj mes meye kesâ DeeefMeÙeeB Jejvee efHeâj ÙeneB keâewve DeeSiee YeieJeeve let Yeer Dekesâuee jn peeÙesiee~

Tomorrow’s Just a Myth and Fable Debashree D/o Shri S. K. Mishra BDM, Thanjavur Cluster

I wake up to pending requests, My mother’s constant hounds and jests, To finish my mounting work today.

Sooner or later, I’ll have to pay, The expired bills on my table, Tomorrow’s just a myth and fable.

What’s the harm and all this flurry?

Where am I leaving, what’s the hurry?

I’ll do my work on a later date, But who can argue with their fate?

Now I lie, amidst whispers and babble, Tomorrow’s just a myth and fable.

I feel a pain, fresh and new The car that hit me simply flew.

I hear someone, “She’s still alive!”

The doctor says I may survive.

I lay attached to tubes and cable, Tomorrow’s just a myth and fable.

I dream of life, of songs and dance, Oh how I long for a second chance!

To see the world, the oceans deep, To finish my work lying in a heap.

To see the fire-hiss and crackle, Tomorrow’s just a myth and fable.

My lungs collapse, my pulse rumbles.

My body’s feeble, it shakes and fumbles.

The doctor’s near, hard at work, My heart stops with a jerk.

I leave this world-God’s mystery and miracle, Tomorrow’s just a myth and…..fable.

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cesje Yeejle ceneve Mewuesvõ DeeW[keâj DeieÇCeer efpeuee ØeyebOekeâ, meebieueer

yeehetpeer keâer jen hej megYee<epeer keâer Ûeen hej Ûeeueerme keâjesÌ[ Deeyeeoer keâe osMe Deepeeo ngDee nw efnbogmleeve efpemekeâe veece Lee Deye Fbef[Ùee ngDee nw Jeesš keâer jepeveerefle kesâ Deeies osMeYeòeâ yespegyeeve nw~

cesje Yeejle ceneve nw~ osMe keâe veslee osMe keâer pevelee Ûegveleer nw Deieues ÛegveeJe lekeâ Skeâ-Skeâ efove efieveleer nw iejeryeeW keâer jesšer efÚveleer nw, vesleeDeesb keâer efpeboieer yeveleer nw mee" meeue mes Ùener ueeskeâleb$e osMe ceW efJeÅeceeve nw~

cesje Yeejle ceneve nw~ efyepeueer, heeveer, meÌ[keâ, megj#ee, meyekeâes efMe#ee Yeesueer pevelee keâes DeYeer Yeer nw Fmekeâer Øeefle#ee iejeryeeW keâe mebkeâš vesleeDeeW keâer mebefOe nw heeveer keâer efkeâuuele ceW šQkeâjJeeueeW keâer Ûeeboer nw~ šQkeâjJeeues, ÛeejeJeeues vesleeDeesb keâer keâceeve nw~

cesje Yeejle ceneve nw~

Longing for Love You are exactly what my soul strives for Being without you, I am left with nobody I am left with nothing.

If happiness deludes you, Go out looking for the same As I have embraced you In the bosom of my heart I do not look for anything more.

I shall melt away In my separation from you I shall live in your midst Through long days, long nights Through stretches of months, even years.

If you do love somebody else And never come back to me ever Let it be so, Let you possess what you strive for Never mind the pains and sufferings simmering within me.

cesOee keâer keâesF& keâceer veneR hej cetKe& ner OeveJeeve nw YeÇ°eÛeej mes OeveJeeve yevee Deepe kesâ efove iegCeJeeve nw meeOet meble cegpeefjce nw DeelebkeâJeeoer cesnceeve nw ‘hewmes kesâ efueÙes kegâÚ Yeer’ Ùener Deepe keâe Heâcee&ve nw~

cesje Yeejle ceneve nw~ Deepeeoer kesâ mehevesJeeues Deiej Deepe efpeboe nesles osMe keâer neuele osKe Kego-ye-Kego MeefceËoe nesles Ûeeueerme keâjesÌ[ kesâ meJJeemees keâjesÌ[ nesves nw uesefkeâve DeYeer Yeer ceeveJelee kesâ yeerpe yeesves nw Deepeeo osMe ceW Deepe keâer veejer ueng-uegneve nw

cesje Yeejle ceneve nw~ Ùeeo jnW nj keâeueer jele kesâ yeeo Gpeeuee neslee nw osMe keâe nj veewpeJeeve Ùen yeele peevelee nw vesleeDeesb keâes peevelee nw, peveleb$e keâer leekeâle ceevelee nw Jees efove otj veneR ØemLeeefhele efJemLeeefhele nesves keâe efveef§ele nw Deble nj yegjeF& keâe, Ùener efJeefOe keâe efJeOeeve nw~

cesje Yeejle ceneve nw~

by Rabindra Nath Tagore Translation by: Sudip Kumar Sarkar, Berhampore Branch, Siliguri Zone

Taarangan

June 2013

31 31

mebheeokeâ keâer hemebo

Editors' Choice

Singing legend Asha Bhosle entered the Guinness World Records on Thursday, 18th of October 2011, for the maximum single studio recordings. The 78-year-old has reportedly recorded up to 11,000 solos, duets and chorus-backed songs, in over 20 Indian languages since 1947. She gave due credit to music researcher Vishwas Nerurkar for helping her get the Guinness title. “Vishwas Nerurkar ne mere sab gaano ka pata karke Guinness World Records ko correct information di aur aaj yeh sanmaan mujhe mila hai.

(Vishwas Nerurkar found out and collected all the data about my songs and gave the correct information to Guinness World Records, because of which I got this title),” she added.

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Vishwas Nerurkar

V

ishwas had researched, compiled and edited a book title “Swarasha” enlisting details of all the Hindi film songs of Asha Bhosle, which paved her way to enter in to Guinness book of World Records.

Vishwas Nerurkar was born in Mumbai on July 18, 1960. He graduated from Ramnarain Ruia College from Arts faculty. He joined Bank of India as a clerk in the year 1984, and recently got promoted to scale/grade II and posted at our Raigad Zone.

From childhood he was ardent connoisseur of Hindi film music and made it his hobby to systematically collect recordings of all the great maestros as well as any books, booklets information and photographs of personalities connected with music – lyricists, singers and musicians.

Very early in life, he compiled very rare information about musical personalities and their works. His early compilations, dating back to 1985, comprise of filmographies of several legendary composers like C. Ramchandra, Shankar-Jaikishan, Naushad, O.P. Nayyar, Sudhir Phadle S.D. Burman, Vasant Desai, Roshan, Hemant Kumar and Madan Mohan originally released in booklets of cyclostyled sheets.

Vishwas realized that this priceless anthologies need to be presented in the form of bound books with biographical notes, photographs, and, supplemental with articles on the musicians to form a series of collector’s

volumes. His first venture that caught the public eye and earned him the honour of a meticulous archivist was the handsomely produced ‘Lata Mangeshkar Gandhar Swaryatra’ a song compilation melody Diva Lata Mangeshkar. This was followed by ‘Swarasha’ and ‘Kishore Kumar – The Many Faces of A Genius’ a volumes dedicated to prolific and versatile singers Asha Bhosle and Kishore Kumar respectively.

Returning to his research on composers, Vishwas updated and released many memorable books starting with ‘Naushad – A Filmography, ‘Pancham – An Anthology of R.D. Burman’s musical works’, ‘Star Romantic Music Maestro of The Century – The Legendary O.P. Nayyar’, ‘Saat Suron Ka Saath – Shankar-Jaikishan’, ‘Swargandharv Sudhir Phadke’, ‘Khayyam – The Man The Music’, ‘Madan Mohan – Ultimate Melodies’ and ‘Vasant Desai – Composer Par Excellence’.

He has also compiled a book titled ‘Qatrah-Qatrah’ on one of the supreme combinations of lyricist– Gulzar and composer– R.D. Burman, our Hindi film industry has ever produced. All these books are authentic and complete documentations of the musical works of respective composers and are also being referred by many music researchers as base reference books for their PHD work.

All these memorable books of Vishwas were released by renowned personalities from different fields like veteran actor Shri Dilip Kumar, Lyricist Shri Gulzar, Shri Balasaheb Thackeray, evergreen actor Shri Dev Anand, legendary singer Smt. Asha Bhosle, Pandit Bhimsen Joshi, versatile director Shri Yash Chopra, dream girl Hema Malini and melodious playback singer Vani Jairam. In the year 2007 a rare and great honour was conferred on Vishwas, when his book on music director Khayyam, was released by Hon'ble Prime Minister of India Dr. Manmohan Singh at his official residence in Delhi.

Driven by his love for music and keen for that valued information, he chronicled and documented for music lovers of today and tomorrow, Vishwas Nerurkar has the good wishes and support of many likeminded enthusiasts, who, see in him the relentless researcher and archivist whose works will find a permanent place in posterity. 

Taarangan

June 2013

33

yeerDeesDeeF& mšej

BOI Star

Artist of Quarter

S

hri Shyamalendu Maitra, B.Com (Hons), joined Bank of India on 23.10.1981 and presently functioning as CTO at SME City Centre (Kolkata).

Shri Maitra has no formal education in painting. Painting is his passion since early days and he is basically a self- taught painter. Since his student days he got the opportunity to attend various art camps, where he could closely watch live performance of many renowned painters like M. F. Hussain, Jogen Chowdhury, Bikas Bhattacharya, Ganesh Halui, Nikhilesh Das etc.

These helped him to develop and sharpen his skills and also acted as a lifelong inspiration.

Shri Maitra participated in many art exhibitions and also done illustration work in many novels/short stories/ poetry books including their front and back covers. He along with few like-minded artists formed a painting club called ‘SRIJAN’.

Now he is making full-fledged preparation for conducting ‘soloexhibition’ in art galleries of West Bengal & other states.

Sanjit Sinha AGM SMECC Kolkata

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The Star Athlete of BOI S

tars, per se, are self luminous, shining away to glory unto eternity. Bank of India has always tapped such glowing stars and encouraged them not only by offering them jobs in the bank, but also supporting them in their further pursuits of careers in such allied domains. One such acclaimed star holding centre stage in the vast field of Athletics is, Smt. Shraddha Yogesh Mandrekar, who gracefully carries the apt sobriquet “P. T. Usha of Bank of India”!

Born on 20th May, 1958 in a wellknown “Prabhu” Family, she had that noticeable verve and marked enthusiasm to excel in athletics.

Shraddha, (nee- Sandhya) right from her childhood was very enthusiastic, having liking for sports. The ardent flair for athletics, accentuated by that vital “never-say-die” attitude, was her initial passport to sprinting / running competitions at her school. Noticing these traits in her quite early on, her parents encouraged her into performing with aplomb at various athletic contests in school. Her talent mushroomed under the initial coaching by Shri H. P. Naik, whence she excelled in Meets after Meets.

These successes led her into bagging the State Level Heptathlon successively for five years (year-to-year). Well, the encomiums and plaudits didn’t stop there; rather, they enhanced and Sandhya created a new State record in Heptathlon in 1984 which stands aloft till date. The next level of ascendancy came when she was selected for the preparatory camp for the Seoul Asian Games in 1985.

Thereafter, there was no looking back…...her performance peaked, acclaim grew and her reputation scaled to dizzy heights to culminate in the prestigious “Shiv Chhatrapati Award” having been conferred on her in 1986 by the Government of Maharashtra.

Sandhya joined Bank of India in September, 1982 in the clerical cadre, having been recruited under the sports quota.

She carried on the winning habit and matched her brilliant performance on track-&-field with that in banking echelons.

Though very intelligent and painstaking, Sandhya could not take up a career as an Officer in the bank, due to family commitments, but known for her zeal in doing any assigned

Madhav N. Deodhar Retired Staff Mob. : 9869270451

work, she proved her mettle as a good banker and soon became a mainstay wherever she worked in the bank.

Presently she is working at Panchpkhadi Branch, Navi Mumbai Zone. The hallmark of her persona is that she displayed equal passion in her work and never tweaked facilities accorded to her to shirk responsibility. Indeed, she believes and follows the dictum, “Work is Worship” to the hilt.

Sandhya married Yogesh Mandrekar in 1987 and the odyssey of her running on track-&-field continued with added zeal. The awards and plaudits continued in equal measure.

Alongside, she kept continuously contributing her best to the bank’s profile.

Unfortunately the happily living couple has to suffer from a severe set back and face a peculiar problem (having a “Special Child”) in their life which has no solution; but being stubborn by nature, Sandhya is facing it boldly by praying to the Almighty to give her strength and courage. However, around 1992, her health took a sudden turn for the worse, necessitating continual medical treatment and prolonged convalescence as she suffered with a tumor in the spine and underwent surgery for removal of the same and was advised by doctor to give up active participation in sports competitions.

Nevertheless, being brave and strongly believes in “Never to give up”, not being able to participate in competitive events, did not deter her…instead; the strong nuances so ingrained in her spurred her turning into Trainer and Coach.

She now Coaches budding young talents at Holy Cross Convent High School, Thane and building up the GenNext to participate in the running competitions at various State and National Level. She is proud to showcase her array of many such fountainheads and has groomed a large number of trained running athletes. One of her athletes, Miss Apoorva Ghagare has won Gold Medals in Hurdles and Long Jump at the School National Athletic Meet held this year and she was awarded a “Nano Car, as the Best Athlete Award” which has made Sandhya feel proud for the field chosen by her. Indeed, once an athlete, always an athlete.

A truly positive and optimistic person that she is, Sandhya epitomizes the quality of fortitude blending with charisma.

Radiance is her inborn trait, while helpfulness is her forte. She is known to assist people irrespective of her own predicament, earning her lots of plaudits and respect at her work place and in social environs. As we know “Healthy Mind is in a Healthy Body”, Sandhya is no exception to it. She is a very jubilant, kind hearted, source of energy to one & all and a lovable person, and hence, obviously always surrounded by friends, like iron particles to a magnet.

Bravo, Sandhya. Take a bow. We, at Bank of India, salute you and wish you all the very best in all your future endeavours.

Taarangan

June 2013

35

meHeâuelee Success keâer keâneveer Story

DeYeÙe efJelleerÙe mee#ejlee kesâvoÇ, Kejieesve

ceQ

Gefce&uee veeiej heefle mJe. ßeer kesâMeJejeJe veeiej efveJeemeer Tve lenmeerue Kejieesve keâer efveJeemeer ntB. cesjs heefle mJe. ßeer kesâMeJejeJepeer veeiej, Deeefoce peeefle keâuÙeeCe efJeYeeie ceW keâeÙe&jle neskeâj Je<e& 1988 ceW MeemekeâerÙe mesJee ceW efjšeÙej nes ieÙes Les. heMÛeeled Je<e& 1998 ceWs Fvekeâe osneble nes ieÙee. cesjs heefle keâer ce=lÙeg heMÛeele heefjJeej heWMeve Yeer ØeejbYe nes ieF& Leer pees ` 3155 Leer. efveÙeceevegmeej cenbieeF& Yeòee Yeer efceuelee Lee. Fmekesâ heMÛeele cesjer 80 Je<e& keâer DeeÙeg nes peeves kesâ yeeo MeemekeâerÙe efveÙeceeW kesâ Devegmeej cetue heWMeve hej 20% Deefleefjkeäle heWMeve jeefMe keâer hee$elee Leer. efpemekesâ efueS ceQves heWMeve keâeÙee&ueÙe KebÌ[Jee SJeb efpeueeOÙe#e cenesoÙe Kejieesve ‘‘pevemegveJeeF&’’ keâeÙe&›eâce kesâ Debleie&le DeeJesove Øemlegle efkeâÙee

ieÇe

cemeYee ef"GefjÙee, Hees. efHeHejieeBJe peveHeo, Heâ®&Keeyeeo (G.HeÇ.) Hej Skeâ efkeâmeeve iees<"er ceW SHeâ.Sue. meer.meer. kesâ HejeceMe&oelee ßeer Deej.kesâ. Heeue Éeje efkeâmeeveeW keâes efkeâmeeve ›esâef[š efJeJeskeâ kegâceej keâe[& DeefveJeeÙe& ¤He mes yeveJeeves, mebÙegkeäle osÙelee mecetn Je HeefjJeej keâes megjef#ele jKeves nsleg met#ce yeercee keâes DeHeveeves kesâ efueS efMeef#ele efkeâÙee ieÙee Lee. iees<"er ceW GHeefmLele Skeâ efkeâmeeve jeceyejve ves kesâ.meer.meer. yeveJeekeâj DeÛÚer Kesleer keâer leLee ` 7000/- Jeeef<e&keâ efkeâMle mes Skeâ yepeepe DeefueÙeevpe kebâHeveer pees efkeâ DeeÙee&Jele& ieÇeceerCe yeQkeâ mes pegÌ[er Leer mes Skeâ met#ce yeercee keâer Hee@efuemeer ueer. ßeer jeceyejve DeHeves Deeuet kesâ Kesle ceW Heeveer ueiee jne Lee. Kesle ceW Skeâ efyepeueer keâe KecYee Lee, KecYes ceW keâjsvš Deeves mes Jen Gmeer KecYes ceW efÛeHekeâkeâj cej ieÙee. Gmekesâ Heg$e efJeJeskeâ kegâceej ves SHeâ.Sue.meer.meer. mes mebHeke&â efkeâÙee. SHeâ.

Sue.meer.meer. ceW Hee@efuemeer kesâ efveÙece kesâ Devegmeej ogIe&švee Hej HeÇerefceÙece keâe 50 iegvee leLee meeceevÙe ce=lÙeg Hej HeÇerefceÙece keâe 25 iegvee kesâ DeeOeej Hej Gmekeâer ceeB kesâ Keeles ceW oeJee jeefMe ` 358903/efoueJee oer. Gme iejerye efkeâmeeve keâe HeefjJeej Deepe SHeâ.Sue.meer.meer. keâe DeeYeej Je yengle OevÙeJeeo os jne nw. meeLe ner, Gme HeefjJeej keâes efkeâmeeve ogIe&švee yeercee Ùeespevee kesâ Debleie&le ` 500000/Yeer efoueJeeves kesâ ØeÙeeme efkeâS pee jns nQ. oeJee jeefMe mJeerke=âle nes Ûegkeâer nw Hejbleg efpeuee Hej HeâC[ ve nesves kesâ keâejCe DeYeer Keeles ceW oeJee jeefMe veneR Yespeer pee mekeâer. HeâC[ Deeves Hej jeefMe MeerIeÇ ner efYepeJee oer peeSieer.

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efpemekesâ DeeOeej hej efJeòeerÙe mee#ejlee keWâõ Kejieesve kesâ keâeGvmeuej ßeer Sce.Sue. hegjesefnle ves legjble MeeKee ØeyebOekeâ, yeQkeâ Dee@Heâ Fbef[Ùee, Tve MeeKee keâes he$e efueKekeâj efveÙeceevegmeej Deefleefjkeäle heWMeve keâer jeefMe ßeerceleer Gefce&uee cesjs yeÛele Keelee ›eâceebkeâ 165323 ceW pecee keâjves nsleg metefÛele efkeâÙee. Gmekesâ heMÛeele yeQkeâ Dee@Heâ Fbef[Ùee Gve MeeKee mes melele mebheke&â ceW jnkeâj ßeer Sce.Sue. hegjesefnle mee. kesâ ØeÙeemeeW mes DeØewue 2012 mes Dekeäštyej 2012 lekeâ keâer heWMeve SefjÙej jeefMe cesjs yeÛele Keeles ceW pecee keâer ieF& leLee Gmekesâ heMÛeele cegPes yeÌ{er ngF& heWMeve Øeefleceen ®heÙes 6512/- efceuevee DeejbYe nes ieF&.

Fme mebyebOe ceW cegPes yeQkeâ Dee@Heâ Fbef[Ùee Éeje ØeeÙeesefpele efJeòeerÙe mee#ejlee keWâõ Kejieesve keâer meneÙelee mes 20% Deefleefjkeäle heWMeve jeefMe jsiÙeguej efceuevee DeejbYe nes ieF& leLee cesjs Éeje cee$e Skeâ DeeJesove he$e Øemlegle keâjves hej cesje hetje keâeÙe& efJeòeerÙe mee#ejlee kesâbõ kesâ Éeje mechevve efkeâÙee ieÙee.

Fme Øekeâej kesâ keWâõeW keâer mLeehevee mes Deece pevelee keâes yengle DeefOekeâ ueeYe nes jne nw. DeleŠ Ssmes keWâõeW keâe efJemleej efkeâÙee peevee ÛeeefnS leeefkeâ iejerye SJeb Je=æ pevelee keâes yeej-yeej keâeÙee&ueÙeeW kesâ Ûekeäkeâj ve ueieevee heÌ[s.

efJelleerÙe mee#ejlee kesâvoÇ, Heâ®&Keeyeeo

ieÇe

cemeYee jKeeveieuee (osJeer efmebn) ceW iejerye ke=â<ekeâ jeOeeefkeâMeve efpemekesâ Heeme cee$e 0.42 SkeâÌ[ ke=âef<e Yetefce nw~ 05 meomÙe kesâ HeefjJeej (Heefle-Helveer Je 03 yeÛÛes) keâe YejCejeOeeefkeâMeve HeesMeCe cegefMkeâue mes Ûeue jne Lee. SHeâ.Sue.meer.meer. kesâ HejeceMe&oelee mes mecHeke&â keâjves Hej GvneWves ke=â<ekeâ keâes YeQme Heeueve keâer Ùeespevee yeleeÙeer leLee ieÇeceerCe yeQkeâ mes 02 YeQme Heeueve nsleg $e+Ce efoueJee efoÙee. Jele&ceeve ceW ke=â<ekeâ jeOeeefkeâMeve YeQme keâe otOe yesÛekeâj ueieYeie ` 200/- HeÇefleefove DeLee&led ` 6000/- ceeefmekeâ yeÛele keâj uesles nw. efpememes Gvekesâ HeefjJeej keâer ieeÌ[er DeÛÚer lejn Ûeueves ueieer nw. jeOeeefkeâMeve SHeâ.Sue.meer.meer. keâe DeeYeej JÙekeäle keâjles ngS keânles nQ efkeâ ceQ $e+Ce keâer DeeoeÙeieer efkeâMle efveÙeefcele Ûeuee jne ntB leLee yeÛele keâj nceves yeQkeâ mes meesuej ueeFš Yeer ueieJee ueer nw efpememes HeÇot<eCe lees otj nes ner jne nw leLee yeÛÛeeW keâer HeÌ{eF& nsleg DeÛÚe JeeleeJejCe Yeer efceue jne nw. Yewmeesb kesâ ieesyej mes keâC[s Deeefo mes FËOeve keâer mecemÙee keâce ngF& nw leLee ke=âef<e nsleg pees Keeo keâer pe¤jle nesleer Leer Jen Yeer ieesyej keâer Keeo mes yengle keâce nes ieÙeer nw. YeQme Heeueve mes jeOeeefkeâMeve kesâ peerJeve mlej ceW DeÛÚe megOeej nes jne nw.

Star Swarojagar Prashikshan Sanstha (Boi Rseti), Sangli, Maharashtra Shri Rahul Bhoi, 27th year old youth from Village Haripur, Tal. Miraj, Distt.

Sangli. He belongs to BPL category & studied up to 12th standard. Prior to undergoing training, he was working as causal labor under Electrician. But after our Domestic Electric Appliance Repairs (DEAR) training, Shri Bhoi started working on his own & undertook household electric repairs.

Recently, he has secured contract work for electric fitting of one new bungalow in Sangli city. The total outlay work was `35000/-. Shri Bhoi was getting meager income roughly `1500/- to `2000/per month, now his monthly income is `6000/- plus per month.

Bhoi says, The training posed confidence in me and I started searching job with sincerity as a result, I secured work contract of ` 35,000/-. I am thankful to Rseti for their valuable guidance.

vesMeveue yeQeEkeâie mecetn (ceOÙe) O National Banking Group (Central)

ieefleefJeefOeÙeeb

Activities

mebmeoerÙe jepeYee<ee meefceefle kesâ Denceoeyeeo oewjs kesâ oewjeve me.je.me. keâer leermejer Ghemeefceefle keâer mebÙeespekeâ ceeveveerÙe meebmeo (jepÙemeYee) Øees. Deuekeâe yeuejece #eef$eÙe, Sveyeerpeer keâeÙee&ueÙe ceW ueieeF& ieF& ØeoMe&veer meeceieÇer keâe DeJeueeskeâve keâjles ngS. meeLe ceW, Denceoeyeeo DebÛeue kesâ Deeb.Øe. ßeer mebpeÙe heJeej SJeb ØeyebOekeâ ßeer efJeveeso oeref#ele.

Fboewj DebÛeue ceW efJelleerÙe meceeJesMeve kesâ Debleie&le DeeÙeesefpele DeeTšjerÛe keâeÙe&›eâce ceW #es.efveo. YeeefjyeQ ßeer heer.Deej. jefJe ceesnve Skeâ ueeYeYeesieer mJebÙe meneÙelee mecetn keâer ceefnuee keâes heemeyegkeâ osles ngS. meeLe ceW Deeb.Øe. ßeer Sce.Sue. ieesÙeue, ceg.Øe. ßeer Sve.heer.efleJeejer SJeb Sue[erSce ßeer meleerMe meble.

vejekeâeme, Denceoeyeeo kesâ DeOÙe#e ßeer megjsMe Sve.hešsue (ceneØeyebOekeâ, osvee yeQkeâ) mes Meeru[ SJeb ØeceeCe he$e Øeehle keâjles ngS Denceoeyeeo kesâ Ghe Deeb.Øe. ßeer šer.Sve. ke=â<Cekegâceej SJeb ceg.Øe. (jepeYee<ee) ßeer MewuesMe kegâceej ceeueJeerÙe.

Sveyeerpeer (ceOÙe) Éeje Gppewve DebÛeue ceW DeeÙeesefpele Jeeef<e&keâ jepeYee<ee yew"keâ kesâ oewjeve ce.Øe. Sveyeerpeer (ceOÙe) ßeer Deefjnble kegâceej pewve, Deeb.Øe. Gppewve DebÛeue ßeer Sme.kesâ. DeieÇJeeue, Ghe Deeb.Øe. ßeer Deej. Deej. jepehetle, ceg.Øe.(je.) Sveyeerpeer (ceOÙe) ßeer MewuesMe kegâceej ceeueJeerÙe SJeb jepeYee<ee DeefOekeâejerieCe.

ieebOeerveiej DebÛeue Éeje DeeÙeesefpele ke=âef<e $e+Ce efJelejCe meceejesn kesâ oewjeve Deeb.Øe. ßeer Jeer.SÛe. keâjboerkeâj Skeâ ke=â<ekeâ keâes $e+Ce mJeerke=âleer he$e Øeoeve keâjles ngS.

Gppewve DebÛeue ceW DeeÙeesefpele ØeyebOekeâ meccesueve ceW ‘Glheeo ceeie&oefMe&keâe’ keâe efJeceesÛeve keâjles ce.Øe. Sveyeerpeer (ceOÙe) ßeer S. kesâ. pewve. meeLe ceW, Deeb.Øe. ßeer Sme. kesâ. DeieÇJeeue, Ghe Deeb.Øe. ßeer Deej.Deej. jepehetle, SJeb Jeefj.Øe. ßeer kesâ.meer. Mecee&.

Gppewve DebÛeue keâer Gppewve MeeKee ves ce.Øe. mejkeâej Éeje ØeeÙeesefpele keâmšce neÙeeEjie kesâbõesb keâer mLeehevee nsleg ßeer hegveerle Deewj Gvekesâ efhelee ßeer Øesceefmebn keâveesefpeÙee keâes š^skeäšj, SJeb ke=âef<e GhekeâjCe keâer Ûeeyeer meeQheles ngS Deeb.Øe. ßeer Sme.kesâ. DeieÇJeeue, ceg.Øe. ßeer Deej.heer. DeesPee SJeb GhekeâjCeeW kesâ Deehetefle&keâlee& ßeer jepesMe heešeroej.

Gppewve DebÛeue ceW DeeÙeesefpele yeQefkeâie ueeskeâheeue Ùeespevee 2006 mebyebOeer keâeÙe&›eâce kesâ oewjeve Gppewve DebÛeue kesâ Deeb.Øe. ßeer Sme. kesâ. De«eJeeue mebyeesefOele keâjles ngS. meeLe ceW, SmeyeerDeeF& kesâ Jeefj<" keâeÙe&heeuekeâ GheefmLele nQ.

Taarangan

June 2013

37

efJeefJeOe

yesyemeer

Misc.

DeeDees hÙeej keâjvee meerKeW jepeerJe YeeefšÙee kebâheveer meefÛeJe

S

keâ yeej heefle Je helveer efmevescee osKeves ieS. Jeeefheme Deeves hej helveer yeesueer, Deeheves osKee efmevescee ces veeÙekeâ Deheveer Øesefcekeâe mes efkeâlevee hÙeej keâjlee Lee. keäÙee legce Yeer cegPes Glevee hÙeej keâj mekeâles nes? heefle ves keâne, legPes ceeuetce nw, Gvekeâe hÙeej lees vekeâueer Lee Je kesâJeue kewâcejs kesâ meeceves Lee. Metefšbie Kelce nesves kesâ yeeo oesveeW Deheves-Deheves Iej Ûeues peeles nQ, Demeueer ces GveceW keâesF& hÙeej JÙeej veneR nw. helveer yeesueer, keâesF& yeele veneR, legce Yeer cegPes vekeâueer hÙeej keâj oerÙee keâjes, yeeo ces oHeälej Ûeues peeÙee keâjes. heefle keâes Skeâ Deewj peJeeye metPee, Gmeves keâne Dejs veeÙekeâ Je veeefÙekeâe keâes lees vekeâueer hÙeej keâjves kesâ Yeer [eÙejskeäšj mes hewmes efceueles nw, nceW Fme keâece kesâ keâesve hewmes osiee?

vejsbõ kegâceej mebkeâeÙe meomÙe Sce[erDeeF& meeryeer[er yesueeHegj

ces

js Ûeej Je<eer&Ùe Heg$e ves cegPes DeeJee]pe oer efkeâ HeeHee osKees efkeâleveer megboj yeejele nw. Heg$e efkeâ Glmegkeâlee keâes OÙeeve ceW jKeles ngS ceQves yeenj peekeâj osKee lees ueiee efkeâ JeekeâF& efkeâmeer OeveeÌ{Ÿe keâer yeejele Leer, Heg®<e SJeb ceefnueeSb DeHeveer OeveeÌ{Ÿelee keâe HeefjÛeÙe ÛeerKe–ÛeerKe keâj os jns Les. Hej Deen! Ùen keäÙee.. Skeâ iejerye SJeb HeâšerÛej neue Deeoceer Skeâ Deeie Gieueles ngS pesvesjšj keâes KeeRÛe jne Lee. ceQ GlmegkeâleeJeMe Gmekesâ Heeme HengbÛe ieÙee Deewj HetÚe efkeâ keäÙee veece nw legcneje? Yeesuee, yengle ner ceemetefceÙele mes Gmeves Gòej efoÙee. efkeâlevee HeÌ{s nes? ceQves HetÚe. meenye Deiej HeÌ{s nesles lees? Deewj Gmekeâer DeebKees ceW DeeBmet Úuekeâ DeeS. Deye HeÌ{esies, ceQves Gmemes HetÚe. Dejs meenye Fme Gceü ceW? Gmeves yeÌ[er Deen Yej keâj keâne. peye DeeBKe Kegues leye meJesje mecePevee ÛeeefnS... ceQves Gmekeâes yeleeÙee efkeâ HeÌ{ves keâer keâesF& Gceü veneR nesleer, legce Ûeenes lees Deye Yeer HeÌ{ mekeâles nes. ceQves Gmes Skeâ Helee yeleeÙee, peneB Jen peekeâj HeÌ{ mekeâlee Lee Deewj mejkeâej keâer lejHeâ mes øeâer mesJee Yeer Leer Deewj DeHeveer megefJeOeevegmeej pee mekeâlee Lee.

efce$ees, keäÙee Ùen cesjs Deewj Deehekesâ peerJeve keâer keâneveer veneR nw, nce ueesie Deheves heefjJeej mes hÙeej lees yengle keâjles nQ, hej Øekeâš veneR keâjles. osles nQ lees kesâJeue iegmmee, [ešvee, efMekeâeÙele. Ùeeo keâjes Deeheves Deheveer helveer Ùee heefle mes DeeefKejer yeej keâye “I LOVE YOU” Ùee cesjer hÙeejer keâne. neB, ieeueer keâye oer, Ùen pe¤j Ùeeo nesiee. nceejs Iej Jeeues, yeÛÛes, menkeâceer& FlÙeeefo nceejs cegbn mes Deheveer leejerHeâ kesâ oes Meyo megveves keâes lejmeles nQ, hej nce meoe Gvekeâes megOeejves Je yeoueves keâe ØeÙeeme keâjles jnles nQ. Deehe meesÛe mekeâles nQ efkeâ peye efoue ces hÙeej nw lees yeesueves mes keäÙee nes peeSiee. Fmekeâe peJeeye nw keâer yeesueves mes ner peeot nes peeSiee. GoenjCe kesâ efueS Deeheves Úle keâe hebKee osKee nesiee. Jen keâYeer Yeer Deheves Deboj mes nJee veneR efvekeâeuelee yeefukeâ Deeme-heeme keâer nJee keâes Fkeâúe keâj veerÛes Hesbâkeâlee nw. nJee keâcejs ceW henues Yeer Leer, hebKee Ûeueeves hej cenmetme Yeer nesleer nw. Gmeer Øekeâej hÙeej nceejs efoueeW ces pe¤j nw, cegbn mes keân osves mes, Snmeeme Yeer neslee nw, Je megveves Jeeues keâes DeÛÚe ueielee nw. Gmekesâ ceve ces Deehekesâ Øeefle mecceeve yeÌ{lee nw Je Ùen Meyo peeot keâe keâeÙe& keâjles nQ. Skeâ yeele Deewj, yeej-yeej kesâJeue keânves mes,Ùen heeKeb[ Yeer ueie mekeâlee nw, Gmekesâ efueS Ùen pe¤jer nw efkeâ nce pees keân jns nQ, Gmes Deheveer ef›eâÙee ceW Yeer ueeSb, pewmes keâer keâYeer-keâYeer surprise Gift Ùee iegueeye keâer keâueer oskeâj FlÙeeefo. Ùen Yeer meÛe nw, Ùeefo nce Øesce JÙekeäle keâjWies, Gmekeâe Snmeeme keâjWieW lees nceW Jewmee ner ØeefleHeâue efceuesiee (MeeÙeo DeYeer lekeâ kesâJeue iegmmee, efÛeuueevee, veejepeieer efceueleer Leer) efHeâj osKeW Deehekeâe heeefjJeeefjkeâ Je meeceeefpekeâ peerJeve kewâmes KegMevegcee nes peelee nw.

38

leejebieCe

petve 2013

Fme Iešvee keâes ceQ ueieYeie Yetue Ûegkeâe Lee efkeâ Skeâ efove ceW yeepeej kesâ yeerÛe DeÛeevekeâ! Skeâ Deeoceer ves cesjs Hewj ÚtS, ceQ peye lekeâ kegâÚ mecePelee.. Gme Deeoceer ves keâne, meenye HenÛeevee cegPes! ceQ Yeesuee.... meenye DeeHeves lees cesjer eE]peoieer ner yeoue oer, ceQves Gme mebmLee ceW peekeâj HeÌ{eF& keâer Deewj efHeâj mejkeâej ves cegPes keâpee& efoÙee efpememes ceQves pevejsšj Kejeros... Deewj meenye Deepe ceQ 10 pevejsšjesb keâe ceeefuekeâ ntB Deewj ceQ otmejs ueesieesb keâes Yeer jespeieej os jne ntB... cesjs yeÛÛes mketâue ceW HeÌ{ jns nQ.... Yeesuee ves yengle Glmegkeâlee mes yeleeÙee. meenye, ceQ DeeHekesâ Denmeeveesb keâes keâYeer veneR Yetue mekeâlee... DeeHeves Skeâ yesyeme Fbmeeve keâes me#ece yevee efoÙee.

Yeesuee ves peye DeHeveer yeele Hetjer efkeâ lees Gmekeâer DeeKeesb ceW meHeâuelee kesâ DeeBmet Les! Deewj ceQ meesÛeves ueiee keâeMe! cesjs osMe ceW keâesF& Yeer Yeesuee ve nes... keâesF& yesyeme ve nes.

No Place for Desire

Skeâ veoer Leer...

Sme. kesâ. cegšjspee mesJeeefveJe=òe mšeHeâ peyeuehegj cees. 9893433067 ÙeÅeefhe, efheÚues 40 Je<eeX mes 5 petve keâes efJeÕe heÙee&JejCe efoJeme kesâ ¤he ceW ceveeÙee peelee nw. heÙee&JejCe mebj#eCe keâer Deesj yengle kegâÚ efkeâÙee peevee yeekeâer nw! efJeÕe heÙee&JeCe efoJeme keâe cegKÙe GösMÙe Deece peveeW kesâ meeLe-meeLe jepeveereflekeâ Jeie& keâe OÙeeve heÙee&JejCe mebj#eCe keâer Deesj Deekeâef<e&le keâjvee nw.

Keemekeâj, nceejs osMe ceW Ssmee veneR nesvee Skeâ efÛeblee keâe efJe<eÙe nw!

Skeâ efove ceQves Deheves Menj kesâ Skeâ De]Keyeej ceW Menj kesâ Deeme-heeme efmLele megvoj SJeb jceCeerÙe Øeeke=âeflekeâ mLeueeW keâer JÙeeKÙee heÌ{er SJeb lemJeerjW osKeer. Skeâ heue keâes ceve KegMe ngDee! efHeâj kegâÚ meceÙe he§eeled ceve ceW KÙeeue DeeÙee efkeâ keäÙee nceejer Deeves Jeeueer heerÌ{er keäÙee Ùen meye osKe heeÙesieer! ceve ceW Mebkeâe ngF&! kegâÚ heue kesâ efueS efJeÛeejeW ceW [tye ieÙee! ceevees meceÙe keâe Ûe›eâ 30-40 Je<e& heerÚs Ûeuee ieÙee! Ùeeo DeeS mketâue kesâ Jen efove peye nce ieefce&ÙeeW keâer Úgóer ceW megyen-Meece veoer ceW lewjves peeÙee keâjles Les Deewj IebšeW heeveer mes yenej efvekeâueves keâe veece veneR uesles Les! Ùeeo DeeF& Gve efoveeW keâer peye Decejkeâbškeâ (vece&oe veoer keâe Goiece mLeue) ieS Les Deewj Jeneb keâe mJeÛÚ JeeleeJejCe ceve keâes Yee ieÙee Lee! efHeâj KÙeeue DeeÙee - yejieer yeeBOe (peyeuehegj kesâ efvekeâš) peeles meceÙe jemles ceW heÌ[ves Jeeueer Skeâ Úesšer meer heneÌ[er veoer, veece Lee efpemekeâe `šscej`! ceQves osKee kewâmes Gmekeâe Úesše mee Pejvee Deheveer keâue-keâue OJeefve mes pebieue kesâ Meeble JeeleeJejCe keâes Yeso jne Lee! DeÛeevekeâ nceejer ßeerceleer peer keâer DeeJee]pe keâeveeW hej heÌ[er - hetÚ jner Leer `ÛeeÙe heerSbies` ceQ Jeeheme Jele&ceeve ceW Dee ieÙee! kegâÚ efove hetJe& peye Ghejesòeâ meYeer jceCeerÙe mLeue oesyeeje osKeves ieÙee Lee! efJeÕeeme veneR ngDee efkeâ Ùen Jener veoer nw, Jener Decejkeâbškeâ Ùee Jener `šscej veoer` nw pene Je<eesË hetJe& peekeâj nce ogefveÙee keâes Yetuekeâj DeeveboceÙe nes Ûeues Les! ceQves osKee meye peien keâÛeje Hewâuee ngDee nw - nj peien hueeefmškeâ keâer heefvveÙee, heshej ceie Deewj peeves keäÙee-keäÙee efyeKeje Lee! peeves keâye osMe keâe Meemeve-ØemeeMeve peeiesiee? Meemeve Deiej peeie Yeer ieÙee lees Yeer ceQ mecePelee ntb efkeâ peye lekeâ nce veneR peeieWies, peue mebj#eCe veneR keâjWies, hesÌ[esb keâer keâšeF& yebo veneR keâjWies, mJeÛÚlee keâer Deesj OÙeeve veneR oWies lees keâneB mes DeeSiee peue nceejs osMe keâer peueOeeje kesâ œeesleeW ceW! kegâÚ meceÙe he§eele keâneR Ssmee ve nes n]peejeW Je<eeX mes megboj keâns peeves Jeeues Ssmes mLeue osKeves peye nceejer Deeves Jeeueer heerÌ{er hengBÛes leye mLeeveerÙe ueesie Gvemes keâns.... ‘‘ÙeneB hej....................

Skeâ veoer Leer’'!

Sunil S. Sachwani SSI Branch, Andheri Mumbai North Zone

T

he world is driven to unhappiness and frustration because it is driven by a sequence of desires.

These waves means to fulfill. People resort to any means to fulfill their wishes. This could involve taking recourse to lying, harming others or damaging the environment. All religions have, therefore, condemned desire as the root cause of unhappiness.

But when a desire is fulfilled we feel happy, not because our wish has been fulfilled but because for a moment there is no desire as the root cause. It is this state of “desirelessness” that we feel happy about.

Of course, immediately there after another desire comes up.

In the Bhagavad-Gita, a yogi has been described as the one who does not grieve and has no desire.

The Jeevan, mukti in the sanyasapanishad is one who has achieved a state of complete “desirelessness”.

As the root of this concept is the Mahavakya in the Ishopanishad. “Everything in the universe belongs to him. Those who have renounced their desires for material possessions enjoy the most. The BhagavadGita carries the theme further, “Kamayevadhi-karaste ma phaleshu kadachan.” Karma cannot be shunned and our objective should be to work without caring about the result.

The state of true liberation comes when one performs all duties and obligations without bothering about the result. The way to achieve this state is through learning. “Sa vidya ya vimuktye”, true learning which liberates us from desire, craving, attachment and fear.

Desire arises because they overtake our minds and create insecurities. This is what desire does. It distorts reality and relativity between objects. A clear mind laced with desire becomes selfish and loses all sense of proportion and concern.

In the Gurukul of Sandipani, both Krishna and Sudama had to share tasks. They lived a life that laid importance of duty rather than the fruits of action.

Naturally the concept-developed minds in which there was no place for desire. It also ensured that desire did not slide to the subconscious domain. If activated by any event, desires may generate a tsunami, which could implode and devastate the mind.

Taarangan

June 2013

39

eEÛeleve

meodYeeJevee

Contemplation

1990 kesâ DeØewue ceen ceW

Yeeieuehegj MeeKee ceW Ùeesieoeve efoÙee Lee. 1987 mes ceeÛe& 1990 lekeâ menjmee MeeKee keâe ØeyebOekeâ Lee. Jeeef<e&keâ uesKeeyeboer keâe keâeÙe& mebhevve nesves kesâ yeeo cegPes Yeeieuehegj MeeKee ceW Jeefj‰ ØeyebOekeâ kesâ ¤he ceW mLeeveebleefjle keâj efoÙee ieÙee Lee. Skeâ ceen hetJe& Yeeieuehegj ceW meebØeoeefÙekeâ obiee ngDee Lee, efpemeceW npeejeW ueesie ceejs ieS. kegâÚ lees oes<eer efkebâleg DeefOekeâebMe efveoex<e, efvejern yeÛÛes, Œeer SJeb Je=æ. ceeveJelee pewmes DeueefJeoe keân ieF& nes, meefn<Ceglee leej-leej nes Ûegkeâer Leer SJeb keâ¤Cee keâe veeceesefveMeeve ve yeÛee Lee. Skeâ ner ieebJe meceepe kesâ ueesie pewmes Skeâ-otmejs kesâ ›etâj ogMceve nes ieÙes Les. efpemekesâ meeLe yew"keâj Kewveer-efÛeuece ÛeÌ{eÙee keâjles Les, Jes Deepe leueJeej Yeebpe jns Les. Menj ceW yesefceÙeeoer keâHeäÙe&t ueiee ngDee Lee, meejs keâejesyeej "hhe, ueesie $eeefn-$eeefn keâj jns Les. keâHeäÙe&t ceW yeQkeâ Yeer 18 efove yebo jne Lee. ceQ Ssmeer heefjefmLeefle ceW Yeeieuehegj DeeÙee Lee. 40

leejebieCe

Yee

ieuehegj mes cesje hegjevee efjMlee Lee. ceQves Deheves ieebJe kesâ mketâue mes cewefš^keâ heeme efkeâÙee Lee. cesjs mketâue kesâ meYeer Úe$eesb keâer lecevvee nesleer Leer cewefš^keâ ceW DeefOekeâ mes DeefOekeâ Debkeâ Øeehle keâj meketâb leeefkeâ meeFbme keâe@uespe, hešvee Ùee šer.Sve.Jeer keâe@uespe, Yeeieuehegj ceW oeefKeuee nes mekesâ. ceQ cewefš^keâ DeÛÚs Debkeâ mes GleerCe& ngDee Lee Deewj henueer efuemš ceW ner cesje veeceebkeâve šer.Sve.yeer keâe@uespe ceW nes ieÙee Lee. Skeâ Ssmee efMe#eCe mebmLeeve, peneb DevegMeemeve meJeexheefj, efMe#ekeâ Skeâ-mes-Skeâ, Deheves-Deheves efJe<eÙeeW kesâ GÆó efJeÉeve, heÌ{eF& Gleveer ner Glke=â° HeâuemJe¤he GheefmLeefle 95 ØeefleMele mes 100 ØeefleMele.

Deepe Yeer cegPes Ùeeo nw Deeies kesâ yeWÛe hej yew"ves kesâ efueS kewâmes oewÌ[ ueieeles Les. Mele-ØeefleMele keäueeme nesleer Leer Deewj efMe#ekeâ Ùeefo hee"Ÿe›eâce hetje veneR keâj mekesâ, lees jefJeJeej keâes Deefleefjòeâ keäueeme ueskeâj keâesme& hetje keâjles Les. keäueeme "erkeâ mes keâj ueW lees šŸetMeve keâer keâesF& pe¤jle veneR. efkeâbleg cesje yesše 30 meeue yeeo hešvee meeFbme keâe@uespe ceW oeefKeue ngDee, pees efyenej keâe meyemes DeÛÚe keâe@uespe keânueeves keâer nwefmeÙele jKelee Lee, efkeâbleg heefjefmLeefle efyeukegâue yeoueer ngF&. ueÌ[keâeW keâer keäueeme mes DevegheefmLeefle, efMe#ekeâ veoejo, efkeâbleg ØeeFJesš šŸetMeve SJeb keâesefÛebie keäueeme keâer heew-yeejn. Deheves yeerles meceÙe keâes Ùeeo keâj efJemceÙe neslee Lee. Ùener neuele nesleer lees nce pewmes Úe$e Deeies heÌ{ heeles keäÙee?

Fbšj ceW nceW heebÛe efJe<eÙe heÌ{ves heÌ[les Les 1. YeeweflekeâMeeŒe 2. jmeeÙeveMeeŒe 3. peerJeefJe%eeve 4. DebieÇspeer 5. efnvoer SJeb 6. ieefCele (SsefÛÚkeâ). efnvoer kesâ oes Yeeie Les (keâ) je°^Yee<ee efnvoer (Ke) SJeb (Ke) ceele=Yee<ee - efpemeceW efnvoer kesâ Deefleefjòeâ Go&t, yebieeueer, GefÌ[Ùee SJeb cewefLeueer ceW mes keâesF& Skeâ. ceQves ceele=Yee<ee kesâ ¤he ceW cewefLeueer ues efueÙee Lee. cesjs DevegYeeie ceW Jener Úe$e Les efpevneWves ceele=Yee<ee kesâ ¤he ceW Go&t Ùee yebieuee Ùee GefÌ[Ùee ues jKee Lee. cesjs DevegYeeie ces ueieYeie 35 Úe$e cegmeueceeve Les yeekeâer DevÙe yebieuee, GefÌ[Ùee Ùee cewefLeueer Yee<eer. cesjs DeefOekeâebMe efce$e cegmeueceeve nes ieÙes keäÙeeWefkeâ DeefOekeâ osj Gvekesâ meeLe jnvee neslee Lee. kegâÚ keâe veece cegPes DeYeer Yeer Ùeeo nw pewmes peceerue, efjÙeepegöerve, mejHeâjepe, ceesF&ve Deeefo-Deeefo. efjÙeepegöerve meyemes DeefOekeâ Oeeefce&keâ Lee. keâe@uespe ceW ceewkeâe efvekeâeuekeâj veceepe heÌ{ efueÙee keâjlee Lee. cesjer Gmemes yengle yenme

petve 2013

nesleer Fmueece Deewj Jew<CeJe Oece& keâer ceevÙeleeDeesb keâes ueskeâj. uesefkeâve ogYee&Je keâYeer veneR ngDee yeefukeâ Jen cesje meyemes keâjeryeer oesmle yeve ieÙee Lee. keâ#ee kesâ otmejs ueÌ[kesâ leeves ceejles - osKees hebef[le peer SJeb ceguuee meenye ceW kewâmeer oesmleer nw? keâeMe! Ùener oesmleer efnvogmleeve kesâ nj šesues - cegnuues mes ueskeâj hetjs osMe ceW Hewâue peeleer.

Skeâ efove je°^Yee<ee efnboer keâer keâ#ee Leer Deewj ØeesHesâmej meenye keâyeerj kesâ oesns heÌ{e jns Les :‘‘ keâbkeâj heeLej Ûetefve kesâ ceefmpeo efueÙees yeveeÙe~ lee heefÌ{ ceguuee yeebie os keäÙee yenje YeÙees KegoeÙe~~’' ‘‘ heenve hetpew nefj efceues, lees ceQ hetpet heneÌ[~ leeles Ùes Ûekeäkeâer Yeueer, pees heerme KeeS mebmeej~~’' efjÙeepegöerve keâes henueer keâefJelee keâe DeLe& yengle yegje ueiee. keäueeme kesâ yeeo meye Fkeâªe ngS. efjÙeepegöerve ves keâne - ‘‘ØeesHesâmej meenye ves Fmueece keâe cepeekeâ efkeâÙee nw. nce efØebefmeheue mes efMekeâeÙele keâjWieW.’' ÛetBefkeâ Jen cesje meyemes keâjeryeer oesmle Lee Dele: ceQves ner henue keâer - ‘‘osKe Ùeej keâyeerj pewmes ceneve meble keâer JeeCeer keâes Fmueece Ùee Jew<CeJe Oece& keâer keâmeewšer hej meerefcele keâjes. Ùes hejce %eeveer meble kesâ efJeÛeej nQ. Ùeefo nce Kegues ceve mes DeÛÚs efJeÛeejeW keâes veneR megvesieW, Gmekeâe efJeMues<eCe vener keâjWies lees melÙe mes otj ner jnWies. Oece& kesâ ner keâcejs ceW Deheves Deehekeâes cele yebo keâjes’' Deeefo-Deeefo Gme meceÙe kesâ GceÇ kesâ Devegmeej.

Gme meceÙe lekeâ meYeer Úe$e megve jns Les efkeâbleg cesjer yeele kesâ meceehle nesles ner peceerue, ceesFve, osJeeMeer<e meye keânves ueies - ‘‘efMeefMej "erkeâ keân jne nw. legce efjÙeepegöerve oefkeâÙeevegmeer Jeeueer yeele keâj jns nes. Deblele: hetjer keâ#ee Fme hej mencele nes ieÙeer efkeâ FmeceW efØebmeerheue cenesoÙe mes efMekeâeÙele keâjves keâer keâesF& yeele ner vener nw.’' efjÙeepegöerve Yeer ceeve ieÙee. nceejer oesmleer Deewj ØeieeÌ{ nesleer Ûeueer ieF&. cegPes keâe@uespe kesâ efoveeW ceW mebieerle keâe yengle Meewkeâ Lee. mJe. cegkesâMe kesâ ieeves cegPes yengle DeÛÚs ueieles Les Deewj keâe@ uespe kesâ ueieYeie meYeer meceejesn ceW ceQ ieelee Lee - efpe›eâ neslee peye keâÙeecele keâe, keâneR otj peye efove Ì{ue peeS, peeves keâneb ieÙes Jees efove, cewves lesjs efueS ner meele jbie kesâ, cegyeejkeâ nes meyekeâes, Deeefo-Deeefo. mebieerle lees cesje Deepe Yeer Jewmee ner efce$e nw pewmee peJeeveer keâe Lee. Heâke&â Flevee nes ieÙee nw efkeâ Deepekeâue peiepeerle efmebn, iegueece Deueer, ceWnoer nmeve, heb. pemejepe, nefj Øemeeo ÛeewjefmeÙee, efMeJe

efMeefMej Ûevõ efceße DeebÛeefuekeâ ØeyebOekeâ yeeskeâejes DebÛeue Øemeeo Mecee&, Decepeo Deueer KeeB, mJe. efkeâMeve cenejepe SJeb Gmleeo peeefkeâj ngmewve keâes megvelee ntB efkeâbleg iee vener heelee. Ì{ueleer GceÇ ceW megveves keâer ner FÛÚe jn ieF& nw, keäÙeeWefkeâ Ûeen keâj Yeer Deye iee veneR heelee ntB. ceQ Fme yeele keâer ÛeÛee& FmeefueS keâj jne ntB keäÙeeWefkeâ keâe@uespe ceW Gme meceÙe keâuee SJeb Kesue kesâ DeeOeej hej Yeer veeceebkeâve neslee Lee. ceesF&ve keâe veeceebkeâve ieevee ieeves kesâ DeeOeej hej ngDee Lee. Jen mJeieer&Ùe cees. jHeâer kesâ ieeves yeÌ[er mebpeeroieer mes ieeÙee keâjlee Lee. yeÌ[er ner megvoj DeeJeepe Leer Gmekeâer. 15 Deiemle, 26 peveJejer, 2 Dekeäšgyej hej keâe@uespe keâer mebOÙee yesefcemeeue nesleer Leer. ceesF&ve, jeCee yevepeer& (efiešej Jeeokeâ), SJeb DevÙe keâueekeâejeW kesâ meeLe-meeLe ceQ Yeer keâe@uespe kesâ meYeer meebmkeâ=eflekeâ keâeÙe›eâceeW ceW efnmmee efueÙee keâjlee Lee, Heâuele: meYeer ØeeOÙeehekeâ, Úe$e SJeb Úe$eeDeesb kesâ yeerÛe ceW ueeskeâefØeÙe Lee. cegPes DeYeer Yeer Ùeeo nw, kegâÚ Úe$eeSb cegPemes efkeâmeer-veefkeâmeer yeneves yeeleÛeerle keâjvee Ûeenleer LeeR, efkeâbleg ceQ yengle Meceer&uee SJeb mebJesoveMeerue Lee. ieebJe - osnele mes ieÙee Lee, Dele: ueÌ[efkeâÙeeW mes yeele keâjves keâer efnccele vener Leer. keâeueeblej ceW mebkeâesÛe peelee jne Deewj Meeruee (pees DeYeer ØeesHesâmej nQ) SJeb jervee meneÙe ([e@keäšj nQ) mes DeÛÚer oesmleer nes ieF& Leer. keâe@uespe kesâ kegâÚ Úe$e nceW Deeheme ceW yeele keâjles osKe yengle F&<Ùee& keâjles Les SJeb Ùeoe-keâoe leeves Yeer ceejles Les. nceW Kejeye ueielee Lee efkeâbleg Fve JÙeJenejeW mes efce$elee Deewj yeÌ{leer Ûeueer ieF&. keâe@uespe kesâ DebieÇspeer kesâ ØeesHesâmej SJeb efJeYeeieeOÙe#e Les, ØeesHesâmej mewÙÙeo Deyegue vemej meenye. yeÌ[s ner meKle ØeesHesâmej. GÛÛe keâesefš kesâ KesueØesceer SJeb keâueeØesceer. mebÙeesie mes cegPes DeÛÚer lejn henÛeeveves ueies Les. ‘hegDej yee@Ùepe Heâb[’' mes cegPes heÌ{ves kesâ efueS meejer efkeâleeyes [e@. vemej keâer ke=âhee mes efceue peeles Les. GvneWves cesjs keâe@uespe keâer Heâerme Yeer DeeOeer ceeHeâ keâjJee oer Leer.

DevÙe Úe$eesb keâes Yeer hÙeej keâjles Les efkebâleg Ùeefo keâ#ee ceW Øeewkeämeer keâer lees Kewj vener. DevegMeemevenervelee hej Jes legjble keâe@uespe mes efvekeâueJee osles Les, Ûeens keâesF& nes. cesjer keâ#ee keâe ueÌ[keâe cees. jF&me efpemekeâe veeceebkeâve Kesue keâesšs hej ngDee Lee, oes-Ûeej efove Kesue kesâ cewoeve ceW vener DeeÙee.

Deieues ner efove vemej meenye ves Gmes keâe@uespe mes šer.meer. efoueJee oer. Gmekesâ efhelee metyesoej FojerMe ves ueeKe keâesefMeMe keâj ueer efkeâbleg vemej meenye vener ceeves. yeesues - ‘‘DevegMeemeve kesâ veece hej keâesF& mecePeewlee

veneR’'. GvneWves Skeâ ve megveer. Deble ceW metyesoej meenye keâes Gušs hewj ueewšvee heÌ[e. vemej meenye Hegâšyeeue kesâ cewoeve ceW ne@Heâ hewvš henvekeâj heebÛe yepes Dee peeles.

Deleerle ceW yenkeâ ieÙee ntB Dele: cetue efJe<eÙe hej Deelee ntB. cesjs ØelÙe#e keâe Jen Yeeieuehegj efpemes ceQves šer.Sve.Jeer. keâe@uespe ceW osKee Lee Deewj Jen Yeeieuehegj efpemes ceQ Deheveer heesefmšbie kesâ ojcÙeeve osKe jne Lee efkeâlevee yeoue ieÙee Lee. efjÙeepegöerve keâes keâYeer-keâYeer ieeueer oskeâj keânlee Lee - ‘Dejs meeuee efceÙeeb, legce meeues veceepeer ner yevekeâj jn peeDeesies. meeues veceepe heÌ{ves mes kegâÚ veneR nesiee efkeâleeye heÌ{e keâj.’' Jen Yeer keâneB Ûetkeâves Jeeuee Lee keânlee - ‘‘meeuee hebef[le, veceepe heÌ{ves mes veneR lees keäÙee yetÌ{e veeLe ceW peekeâj Iebšer yepeeves mes nesiee.’' oesveeW Skeâ otmejs keâes Ketye keâesmeles Les efkeâbleg cegnyyele Yeer Gleveer ner keâjles. ‘cesje veece peeskeâj’ SJeb ‘Deevebo’ efHeâuceW nceves meeLe-meeLe osKeer.

Deepe Yeeieuehegj ceW efnvot-cegmeueceeve Deecevesmeeceves veneR Dee jns Les. YeÙe Lee, keâneR Skeâ otmejs hej leueJeej ve Ûeuee oW. cegnyyele oHeâve nes Ûegkeâer Leer Deewj Gvceeo, Ie=Cee ves peien yevee ueer Leer. ceQ keâYeer meesÛelee Lee efkeâ keäÙee Ùeefo efjÙeepegöerve efceuesiee lees cesjs Thej leueJeej lees veneR Ûeuee osiee. Je<eesË hegjevee efJeÕeeme [ieceiee ieÙee Lee. ceveg<Ùe Yeer efkeâlevee ke=âleIve neslee nw. heefjefmLeeflepevÙe Ghepes Gvceeo ceW Je<eeX hegjevee mebefÛele efJeÕeeme Yeer DeesPeue nesves ueielee nw. Ssmes ner Jeòeâ ceW OewÙe& keâer hejer#ee nesleer nw. ceQves ceve ner ceve keâne- ceQ lees efkeâmeer hej neLe Yeer vener G"e mekeâlee lees keâesF& cesjs Thej leueJeej kewâmes G"eSiee.

Gme meceÙe Yeeieuehegj ceW jsMce keâe DeÛÚe keâejesyeej neslee Lee. meejs cepeotj cegmeueceeve SJeb JÙeeheejer efceefßele Les. kegâÚ cegmeueceeve JÙeeheeefjÙeeW keâe cesjs yeQkeâ ceW Keelee Lee efkeâbleg Jes YeÙe mes vener Deeles Les. ceQves efveCe&Ùe efueÙee efkeâ Deheves yeWkeâ kesâ kegâÚ meeefLeÙeeW keâes ueskeâj leeleejhegj peeTbiee? ßeer Mewuesvõ Mecee&.

DejefJevo jecee, DeefJeveeMe kegâceej Deeefo keâes ueskeâj leeleejhegj peeves keâer Ùeespevee yeveeF&. Mewuesvõ Mecee& SJeb DejefJebo jecee ‘‘Yeeieuehegj efpeuee yeQkeâ Fchuee@Fpe SmeesefmeSMeve’’ kesâ ›eâceMe: DeOÙe#e SJeb meefÛeJe Les. oesveeW Yeeieuehegj Menj kesâ jnves Jeeues Les SJeb meeceeefpekeâ keâeÙeeX ceW Keguekeâj Yeeie uesles Les. nceejer MeeKee kesâ meYeer meeefLeÙeeW ves menÙeesie efoÙee Lee. leeleejhegj cegmeueceeveeW keâe cegnuuee Lee peneB obies ceW Ketve-Kejeyee meyemes pÙeeoe ngDee Lee. ueesie JeneB peeves keâe veece veneR uesles Les. ceQves efnccele keâer keäÙeeWefkeâ Úe$e peerJeve keâer ÙeeoeW ves efJeÕeeme keâes hegKlee keâj jKee Lee. Deheves meeefLeÙeeW keâes meeLe ueskeâj JÙeeheeefjÙeeW mes yeele keâer.

ßeer jekesâMe efceßee Yeeieuehegj kesâ veÙes efmešer Sme.heer.

Les. Jes cesjs efjMlesoej Yeer Les. Gvemes efceuekeâj Yejhetj menÙeesie SJeb megj#ee keâe Fblepeece efkeâÙee. heefjCeecemJe¤he JÙeeheejer, ieÇenkeâ MeeKee Deeves ueies. nceejer MeeKee ceW ieÇenkeâeW keâe efJeÕeeme yeÌ{e, YeerÌ[ yeÌ{ves ueieer SJeb JÙeeheej ceW Gòejesòej efJekeâeme nesves ueiee. MeeKee Ssmeer Ûeue heÌ[er efkeâ hetjs hešvee DebÛeue keâer meJe&ßes‰ MeeKee yeve ieF&. DeebÛeefuekeâ ØeyebOekeâ meccesueve ceW peye cesjer MeeKee keâes ØeLece hegjmkeâej efceuee Lee lees Meeru[ uesves cesjs Ghe ØeyebOekeâ ßeer jeCee hešvee ieÙes Les keäÙeeWefkeâ ceQ DemJemLe Lee. Deeves kesâ yeeo ßeer jeCee ves YeeJe efJeYeesj neskeâj cegPes SJeb hetjer MeeKee keâes leelkeâeueerve DeebÛeefuekeâ ØeyebOekeâ mJe. S.Sve.ieebOeer Éeje ØeMebmee kesâ GôesOeve megveeÙes Les. peyelekeâ nce efnvogmleeveer peeefle-Oece& mes Thej G"keâj FbmeeefveÙele keâes vener DeheveeÙeWies, Skeâ otmejs hej efJeÕeeme veneR keâjWies, Deehemeer meodYeeJe veneR yeÌ{eSbies leye lekeâ Yeues ner nce ueeKe šskeäveesuee@peer ues DeeSb, Øeieefle vener keâj heeSbies. ceQ Deeefcej Keeve Éeje Øemlegle ‘‘melÙecesJe peÙeles’' efveÙeefcele: osKelee jne ntb. keâeMe meYeer efnbogmleeveer Fmemes ØesjCee uesles lees cegbyeF& kesâ Deepeeo cewoeve Ùee ueKeveT keâer yegæ cetefle& Jeeueer Iešvee vener Iešleer. DeeJeMÙekeâlee nw YeeF& Ûeeje Hewâueeves keâer, meodYeeJe yeÌ{eves keâer Deewj Ùen meye leye lekeâ vener nesiee, peye lekeâ nce ceW mes ØelÙeskeâ Fme hej vener meesÛeWies, vener Deceue keâjWies. Ùen efkeâmeer mejkeâej Ùee mebmLee kesâ yetles keâer yeele vener nw. DeeF&S Fme mJeleb$elee efoJeme keâer 66JeeR Je<e&ieeb" hej nce Ùen mebkeâuhe ueW efkeâ Deeves Jeeues Je<eesË ceW nce meodYeeJe Deewj efJeÕeeme keâer yegefveÙeeo keâe Yeejle yeveeSb, peneB veHeâjle keâe veeceesefveMeeve veneR nesiee. leYeer Ûengb Deesj Øeieefle  nes mekesâieer.

Appreciation

Shri Suresh Doshi is working in Nepean Sea Road Branch, Mumbai South Zone. He has been appreciated by many customers of the branch for his excellent customer service.

Kudos to Shri Doshi.

Taarangan

June 2013

41

yeneogjer

Bravery

Love... Our Team...

Our Branch... Airoli Our

Mehrunnisa Irfan Mandlik Airoli Branch Navi Mumbai Zone

PUSHPA SUBRAMANIAN, OOPS !..... darling..... well she is rather known by this name..... for she loves being called..... darling.....

W

e here in our home called Airoli branch, is a closeknit family, each one complementing the other at all times….

WE ARE A FAMILY OF 6 SENIORS……

We share the firings of low performance, as well as, we each credit ourselves, when we are acknowledged…. All alike…. So, we are less perturbed, and fly less because the distribution is equal….

It all began on 16.05.2013, when our TARGET customer approached for a vehicle loan On interviewing him, our darling was not comfortable. She said, Meher, “I am not convinced, something is wrong”. The answers he gave, seemed he is well aware of what I am asking, and what documents I would ask and Meher, what pricks me is, he is asking for the branch sanction power. She further added, Yaar Nitin (our family part) agar koi loan maangega, to maximum maangega na, kyun branch sanction amount hi maangega? Anyway, let him come, we will see the documents. He also has account with other Bank so why he has come here?

During this incident, Darling was called to attend Branch Managers’ Conference, where she had the chance to hear on risk management. She called me up to say, and she has seen photograph there and she felt this looked like the person who had come to the branch.

Later on 20.05.2013, at around 12.20, that person walks up to me with the file. Darling called me on phone and asked me to send him in her chamber. He is made to sit, and on the pretext of filling up the form, she comes to me and ask me to call up Zonal Office, Security Deptt. But all of the sudden he comes there. She immediately writes the same on the chit.

Sensing he is being trapped, suddenly he moves towards the cabin, takes his file, and starts moving towards the door. Our darling goes behind him trying to call him, to which he says, his vehicle was being towed, and would come back and goes out.

I was still in a state of shock, and called Security department. I can hear darling’s loud voice…. Chor, Chor I ask our staff to go behind him. I was full of worry for my darling, as I know, post her accident her leg gives her much pain and whenever I talked about it she would say joyfully, “I AM BUT A WELDED PIECE YAAR”.

I keep glancing through the window. I saw her and our darling was dragging him with the help of our staff, and bringing him to the branch, panting… DRAMA UNFOLDS… when on the pretext of going to the loo, he probably calls his men… we were instructed to close the grills; he tells not to call the police and tries to bribe. Darling said you can’t buy us. To which, he now threatens to kill her. She smiled and grabbed his mobile and the car keys.

It was difficult to keep him holding for long as he might attack her because he was resorting to all possible ways to run. That one hour, until the security officer arrived, was a real nightmare. However, my darling was not for a moment, scared or perturbed but was even cracking jokes.

Finally, he was arrested and we the family hugged each other. That it ended well. On admiring her feat, our darling said, No, it is the team effort; it is not YOU or ME….

It’s the WE factor.

I asked her much later. What would have happened, if he would have picked up the paperweight and thrown it on you, or any of us? She smiled, Yaar, he would have missed the shot. We all burst out laughing…

AND REALLY TOO, WE HAVE STOOD AS ONE, AT ALL TIMES OF NEED, TOGETHER IN ALL DEEDS…. 

42

leejebieCe

petve 2013

cetuÙe

Values

F&ceeveoejer

Deepe kesâ oewj ceW Skeâ MeefòeâMeeueer yeQkeâ kesâ efueS Ùen pe¤jer nw efkeâ Jen Deheves Deveglheeokeâ DeeefmleÙeeW (Sve.heer.S) keâes keâce jKes. leovegmeej, yeQkeâ Deheves (Sve.heer.S.) SJeb yeóe KeeleeW keâer Jemetueer kesâ efueS efoMeeefveoxMe peejer keâjles nQ efkeâ yekeâeÙesoejeW mes mecePeewlee keâjkesâ cetueOeve leLee yÙeepe keâer Jemetueer keâer peeS Deewj Ssmes KeeleeW keâes yebo keâjJeeÙee peeS efpememes yeQkeâ keâes vegkeâmeeve keâce mes keâce nes Deewj yeQkeâeW keâe ueeYe DeefOekeâ nes mekesâ.

jekesâMe šb[ve Smešermeer, Yeesheeue

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yeQkeâ Dee@@Heâ Fbef[Ùee ceW DeefOekeâejer kesâ ¤he ceW keâeÙe&jle ntB Deewj efJeiele keâeHeâer meceÙe mes Deveglheeokeâ DeeefmleÙeeW keâer Jemetueer kesâ keâeÙe& mes peg][e jne ntB. $e+Ce Jemetueer kesâ ceOÙe lejn lejn keâer yeeleeW keâe meecevee Yeer keâjvee heÌ[lee nw pewmes pevelee keâe jes<e, JÙeefòeâÙeeW keâe ØeeflejesOe, oeoeefiejer leLee yeoceeMeeW keâer Deewj mes efceueves Jeeueer OeceefkeâÙeeW keâes Yeer Pesuevee neslee nw. Fve meyekesâ DeueeJee Ssmes Yeer JeeefkeâS nesles nQ pees ceve-ceefmle<keâ ceW Skeâ Deefceš Úehe ÚesÌ[ osles nQ. Fmeer mes mebyebefOele Skeâ mebmcejCe keâe GuuesKe keâj jne ntB. ceQ Je<e& 2002 ceW PeejKeb[ jepÙe kesâ veJeefveefce&le efpeues efmece[siee ceW ØeLece DeieÇCeer efpeuee ØeyebOekeâ kesâ ¤he ceW keâeÙe&jle Lee. Fme efpeues ceW leye yeQkeâ Dee@@Heâ Fbef[Ùee keâer Dee" MeeKeeSB keâeÙe& keâj jneR LeeR. Ùen hetje Fueekeâe pebieue, veoer, veeueeW Deewj DeeefoJeemeer yengue Lee. DeieÇCeer yeQkeâ nesves kesâ veeles pecee, $e+Ce leLee Jemetueer efMeefJejeW keâe DeeÙeespeve MeeKee ØeyebOekeâeW, mejkeâejer Je iewj-mejkeâejer mebie"veeW (Sve.peer.Dees.) kesâ ceeOÙece mes efkeâÙee peelee Lee. Fmeer ›eâce ceW Skeâ yeej Ketbšeršesueer MeeKee kesâ ØeyebOekeâ Je mejkeâejer DeceerveeW kesâ menÙeesie mes Skeâ Jemetueer keâQhe keâe DeeÙeespeve efkeâÙee ieÙee peesefkeâ otjmLe ieeBJe kesâ hebÛeeÙele mLeue hej meJesjs 9 yepes mes 1 yepes lekeâ efveÙeesefpele Lee. Ùen Fueekeâe hetCe&leÙee vekeämeueer ØeYeeefJele Lee FmeerefueS keQâhe keâe DeeÙeespeve Øeele: efkeâÙee ieÙee. neueebefkeâ yeQkeâeW kesâ ef›eâÙeekeâueeheeW ceW Gvekeâer mhe° veerefle jner nw efkeâ yeQkeâ Dehevee keâeÙe& keâjles jnW Deewj iejeryeeW keâes ØeleeefÌ[le vee keâjW. yeQkeâ Éeje Fme Jemetueer efMeefJej keâes meHeâue yeveeves kesâ efueS JÙeehekeâ ØeÛeej-Øemeej Yeer efkeâÙee ieÙee Lee Deewj nce ueesie Yeer peerhe Éeje JeneB meceÙe mes hengBÛe ieS Les. MeeKee ves Fme ieeBJe kesâ meeLe meeLe Deemeheeme kesâ meYeer Úesšs-Úesšs ieeJeeW kesâ yekeâeÙeeoejeW keâer efuemš yeveeF& ngF& Leer. DeceerveeW kesâ Éeje Gve meYeer yekeâeÙeeoejeW

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Taarangan

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June 2013

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mJeemLÙe hueme

Health Plus

H

ealth has different connotations for different people. Being healthy does not merely imply loads of energy or absence of disease. Health is a positive entity and is a state of complete physical, mental and social well-being and not merely the absence of disease or infirmity. In the present times with our automated and “removed from Nature” lifestyle, we literally have to “EARN” good health. The four foundation pillars of good health is the spelling of “Earn”, namely Exercise, Attitude, Rest, Nutrition.

1st Pillar of Optimal Health “Exercise” All are aware that exercise is essential for good health, but how many of us actually get around to implementing it? Generally, it is with a lot of difficulty that we manage to take time out for exercise. Hence it should be our aim to see that we derive at least three benefits from our exercise regime namely suppleness, strength and stamina.

We often out of error consider walking to be the best exercise. True, walking may be the most simple and easy of all exercises and it requires no equipment or accessories except a good pair of shoes. Suppose we walk with friends carrying out gossip and conversations simultaneously, what have we done? We have done more of talking than walking where our tongue moves more in rhythm and the tongue gets more exercise than our body and legs.

Optimal Health…

Just a Few Steps Away!

Let us learn the correct way of walking. Suppose a father scolds his son routinely for half an hour every morning. What is the outcome of the above on the boy say after 3 months? The son gets habituated to the daily routine scolding and soon it has no effect or impact on him whatsoever. Similarly, if we walk everyday the same way, our body gets accustomed to the routine and does not derive any additional benefit from the exercise after some time. Hence, it becomes imperative to alter our rhythm of walk. Here is what we should do. Walk a little, jog a little, walk a little, sprint a little, relax a little, go over the flyover if it comes in the path of the walk and do not avoid it. Break the routine rhythm.

We should create a comfortable buildup in the chest, ease off, start again and so on. This gives the real benefit of walking. Also, do not binge unhealthy food after the walk. Attempt to do a variety of exercises such as swimming, cycling, jogging, yoga on different days for optimum benefit.

Now we come to the very important issue of obesity. Obesity is not a cosmetic problem but it is to be treated at par with any other lifestyle disease. It is obesity, which triggers off diabetes, arthritis, heart afflictions and a host of other life threatening diseases.

If you are walking for weight loss then do as follows. Walk for 10 seconds and stop completely for only a second. Again, walk for 10 seconds and stop again for a second.

Why? A stalled car is difficult to push and needs much more energy to get to move, but once in motion it is very easy to push it and keep it in motion. Therefore, our calorie burn up is three times more in this mode of walking thus giving results sooner. Walk this way daily for about 20 minutes. Losing weight should not be isolated as an end by itself. It is one of the appropriate consequences of a healthy lifestyle.

2nd Pillar of Optimal Health “Attitude” Mehernosh Chhapkhanawalla Walkeshwar Branch Mumbai South Zone

It is also the single biggest determining factor of holistic health. It is not necessary that the person saying that the glass is half full is a positive thinker and the person saying that the glass is half empty is a negative person. Attitude is not so simply decided by a glass of water. Similarly a pushing attitude must not be interpreted as a positive attitude. Proper healthy attitude comprises of 5 balances in life namely: a) Physical Balance: Your first duty is towards your own self and towards your own well-being. You can lift up someone else only if you are strong. A sick person cannot do much in life either for himself or for others. Some are very proud of their strength and assertiveness. They say with pride “Duniya jhukti hai, jhukanewala chahiye” There is already a lot of misery and illness in the world. What we should assert is “Duniya uthti hai, uthanewala chahiye” b) Mental Balance: Do not harbour intense emotions such as anger, hatred, jealousy etc as they secrete excessive acid in the body. Acid destroys the vessel that contains it.

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It not only what you eat that matters, its what is eating you that matters more. So do not bottle up emotions but direct them into pleasant constructive channels.

not know is “Shavasana.” “Shava” means a dead body.

Doing this asana for around 15 minutes everyday is more energizing than sleeping for extended hours.

He who angers you indirectly controls you and your anger harms you more than the object of your anger.

4rd Pillar of Optimal Health “Nutrition”

c) Financial Balance: without this, balance nothing worthwhile in life. There is no such thing as personal freedom unless there is financial stability. Financial insecurity and monetary debt have a direct impact on mental and physical health. d) Social Balance: Blend well with society, neighbors & family. Give back more to the world than what you have taken. You have borrowed this world from your children.

Also remember that you are not replaceable in your family.

Don’t miss out on the joys and pleasures of your family and children. They will never come back. e) Spiritual Balance: We were born with a purpose far greater than eating and digesting food. We must attempt to understand the higher purpose of our birth. Who Am I? What Am I Here For? Pray to God everyday. Seven days without Prayer makes one weak. Without spiritual balance often become purposeless. It is tragic that our attention is more focused on our blackberry than on our puja/deity. If we disconnect from the Divine, life itself dries up.

3rd Pillar of Optimal Health “Rest” It is good to work in office for 8 hours and sleep for 8 hours, but not the same 8 hours. We know how to sleep but we do not know how to rest. The body repairs and rejuvenates itself better when the mind is rested and not only when we are asleep. A story will explain how “Chanchal” the mind is. A King is sick and no physician at the court can cure him. The king promises half his kingdom to any person who can cure his illness, but if that person tries and fails, he would be hanged. One day a young doctor comes to him and gives him a bottle of medicine saying “Take 3 spoonfuls of this medicine every night for 10 days just before you go to sleep and you will be cured. But there is one condition.

The condition is that when you take the medicine you must not think of a dancing monkey. If you do so the medicine will not work.” And then the doctor demonstrated how the monkey danced. The king thought to himself “I have never in my life thought of any dancing monkey so that should be no problem at all” At night when the king picked up the bottle of medicine, what was the 1st thought that came to him? The dancing monkey. He tried his best to change the thought, but try as he would whenever he picked up the bottle of medicine, the monkey danced in his mind before him. The king knew he would be cured if he did not think of the dancing monkey but the mind would not allow him. We think we have good control, but this is generally the state of our mind.

It is when this mind is at rest that the body heals itself.

One way of putting this mind at rest which the king did

We are not in that same body in which we were a few years ago. Bit by bit every 4 months our entire blood is renewed, every 10 days our stomach lining is replaced, skin flakes off and is gradually renewed, bones too are repaired, maintained and renewed at the cellular level. All of this is due to the intake of nutrition. The building block of our body is Proteins. Fats and carbohydrates are used by the body to produce heat to keep the body warm at a steady temperature (98.4 F) and to produce energy.

We need 13 vitamins and 11 minerals which enable the body to permute 10 lakh different protein combinations to manufacture, hair, nails, skin, bone, blood, hormones, enzymes, cells, muscles, cartilage etc. Let us compare this to the English alphabet which has 26 letters out of which 5 are vowels namely a, e, i, o and u. Using all these consonants and vowels, we can make thousands of words. Now suppose I do not provide you with the 5 vowels. Now how many words can you make? Hardly any. Similarly if out of the 13 vitamins and 11 minerals, because of improper intake or careless diet or bad food habits, I do not get 5 or 6 vitamins or minerals, thousands of essential body combinations which are essential for the body will not take place. Our dear body will bear it up for the day, may also bear it up for a week or month, but because of our ignorance of our body requirement, ultimately the body cannot put up with the deficit of essential nutrients indefinitely, it starts weakening or giving way at the cellular level, gradually affecting the organs and then the entire system. So disease (which literally means “not at ease” or dis….ease) is generally never sudden but is a consequence of long term neglect of the essential nutritional requirement of the body.

The body is the only thing you have with you till the end of your life. It is your only constant companion. The value of what we have with us is more deeply understood not when we have it, but only when it has slipped away from us due to our callousness, negligence or non-appreciation. Same is with health. The human body can tolerate a lot of abuse.

But when the body signals its requirement and says “Give me my minimum requirements, give me exercise, give me a proper mental outlook, give me rest and give me adequate nutrition. If you do not do so I will pull on till I break but then you will have to pay that price which you can ill afford. So better pay me now than pay enormously later.”

This is my personal understanding of Optimal Health.

May we all intensify our efforts to stay healthy not only for ourselves but also for the sake of our family and our happiness of our loved ones.

For any additional information please feel free to contact me by sms on 98202 64579 or by email at mehernosh25@  rediffmail.com.

Taarangan

June 2013

45

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A

Reminisces

My First Training in the Bank

Shri N.C. Mazumdar, AGM (Rtd.) presenting a book Titled ‘Fundamental of Modern Banking’ updated version written by him to CMD Smt. V.R.Iyer at Head Office.

The maiden Training program of a newly recruited staff member, whether called induction program or otherwise, plays a vital role in skill development and shaping their future course of career in the Bank. Subsequent trainings are imperative to keep them abreast of the latest developments in the economic and commercial arena especially that pertains to Banking. Of all the training programmes, the most vital is the program meant for the new entrants- be it for the award staff or officers.

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fter joining the Bank in 1969, for the first time I was selected for a training programme for newcomers in April,1970 at the Bank of India & Bank of Baroda Joint Staff Training College (closed down later) at Walkeshwar, Bombay. Even today, I feel that was the best Training Programme, I have ever attended in the Bank. The college was situated at the foot of the Malabar Hill and down below it was the endless waves of the Arabian Sea. When I attended the college, Shri H.L. Bedi one of the co-authors of the then famous book on banking written by Bedi & Hardikar, was the Principal of the college. He was a retired executive from Punjab National Bank and later the position of the Principal was shared by the two sponsoring banks by turn. Rest of the Faculty Members were on deputation from two banks and each of them were having profound expertise in their respective disciplines. Those days it was known as orientation program and after completion of the training, the confidence level of the participants used to get a tremendous boost.

The course content was very comprehensive so that the new recruits with different academic background could prepare themselves for a smooth take-off towards a roaring career in Banking. There was a system of periodic tests in different subjects and in the event of a poor performance by any body, the trainee would be called in the cabin of the Principal for counseling. Though the guest speakers with expertise on a particular area used to take classes, the visits of the executives were generally confined to interaction to know the difficulties of the participants and calling for their suggestions, if any.

The course content included subjects the knowledge of which is imperative for making a complete banker and created a mind-set to acquire knowledge in the relative matters on an on-going basis. The syllabus included, a) Elementary Economics, b) Book Keeping, c) Economic Geography, d) Banker & Customer, e) Accepting Deposits in various forms, f)Advances, g) Bills & Remittances, h) Foreign Exchange, h) Staff Relation and Public Relation, i) Insurance, j) various legislations: RBI Act, Banking Regulation Act, Companies Act, Indian Registration Act, Indian Contract Act, The Limitation Act, Indian Stamp Act, etc. The course in Advances started from second week and ended in the last week with a mock session where a customer would approach the Manager for a loan and the Manager has to handle the situation and either sanction the loan or reject the request of the customer with cogent reasons. Needless to say that both the Branch Manager and the prospective customer were picked up from the participants in the training Programme.

The mock session was held under the gaze of two faculty members and other participants.

The classes for advances or credit were held on three days in a week and the program was synchronized in such a manner that the

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sessions on Financial and Ratio analysis would begin only after the end of the brief syllabus on Book-keeping and preparation of Profit & Loss Account and Balance Sheet. The advances course covered agriculture and allied activities, Small Scale Industry and C & IC advances.

Visits to agricultural fields, Dairies and SSI units were organized by the Training College.

The syllabus of Foreign Exchange program was quite elaborate so that the participant gets acquainted with the Forex terminologies and various aspects of quotation of Forex rates of different currencies. For one week the trainees were sent to different branches on deputation for getting a feel of the practical operation.

One session was dedicated for learning correspondence with customers and others and the aspects taught covered: Style, Fact, Brevity, Courtesy, Healthy curiosity, Clarity, Proper choice of words and their arrangement etc.

Midway through the training programme, a cultural function, with an overtone of National Integration, was held where a contribution by each and every trainee was a must. A Picnic somewhere in the outskirts of proper city was organized by the college and it was packed with lot of fun and frolic. The Training program used to end with an elaborate session on “Banking as a Career”, intended for inculcating a sense of belonging and loyalty towards the Institution and a long term interest in Banking as a career.

The participants were taken to the Central Office of Reserve Bank of India and the nearby Govt. of India Mint so that they get an idea of the functioning of the Banking Regulatory body in the country.

Before the concluding session, the new recruits were invariably given some important hints that are required to be borne in mind throughout the career. These are: Secrecy to be observed, Accuracy in work, Punctuality, Importance of proper dress, Team-spirit etc.

The training program used to be completed with a farewell party attended amongst others by the CMD or other top Executives of the Bank.

The party at which this author was present was attended by Shri T.D. Kansara the then Chairman of Bank of India and the General Manager of Bank of Baroda. The training programme had a lasting impression in the minds of the young aspiring Banker and even today I cherish the memories of those golden days. Incidentally, while attending the training programme I had to appear for the CAIIB Part-I exam. and the training was of immense help for my clearing the exam in one shot.

N.B: I still have the notes taken in the above Training Programme which inspired me to write the book ‘FUNDAMENTALS OF MODERN BANKING’ and the same is well accepted in the Banking Circle all over the country. This is also a recommended book for studies in Finance & Banking in different Management Institutes.

– N.C. Majumdar

efMe#eCeØeefMe#eCe

BOI RSETI Directors Conclave was organized at MDI. CGM (HR) Shri A.P. Ghugal, GM & Principal Shri Debashish Chakraborty, GM Shri P.K. Pattaniak, DGM (FI) Shri S.K. Somani during inauguration. Dy. Secretary, MORD, GOI Smt. Renuka Kumar addressing the RSETI Directors of BOI.

Training

GM & Principal Shri Debashish Chakraborty, GM (Intl.)

Shri R.A. Sankara Narayanan during training programme conducted at MDI for Officers selected for foreign posting.

Smešermeer Ûesvvew ceW DeeÙeesefpele eEnoer keâeÙe&Meeuee ceW Deeb.Øe. ßeer kegâueYet<eCe pewve SJeb ØeeÛeeÙe& ßeer heer.Sme.Sme jeJe (Fbmesš) SJeb GheefmLele ØeefleYeeieerieCe. Bank participated in the APEX programme organized by “The Art of Living’ at Bengaluru. Our Executives with Sri Sri Ravi Shankar during one of the sessions of the said programme.

peceMesohegj DebÛeue ceW DeeÙeesefpele mšej mJejespeieej ØeefMe#eCe mebmLeeve ceW ceefnuee ØeefMe#eCeeefLe&ÙeeW kesâ meeLe Deeb.Øe. ßeer DejefJevo kegâceej meent, ßeer efleuekeâ jepe SJeb ßeerceleer heer. Meejoe.

Yeesheeue DebÛeue ceW Jeeef<e&keâ Deec[& iee[& keâe ØeefMe#eCe Smešermeer Yeesheeue ceW DeeÙeesefpele efkeâÙee ieÙee. Fme DeJemej hej Deeb.Øe. ßeer jepeerJe kegâceej ieghlee ceg.Øe. (megj#ee) Sveyeerpeer (ceOÙe) ßeer jekesâMe hešveer SJeb ØeefMe#eCeeLeer&.

Participants of “2nd Phase Basic Training Programme for Clerks” during their visit to M/S Quintessential Designs India Private Limited at Sriperumbudur financed by our Bank along with the Faculties and Officials of the Unit at STC Chennai.

Taarangan

June 2013

47

ceveesYeeJe

Emotions

Ms. Mo Weling Shenzhen Branch PR China

Power of

Dreams

S

ince the very first day that I finished my supplemental pleading of my thesis, I have been considering to write something, for I thought it was very necessary to record something after my four years of the so-called “university life” which means another beginning of a totally new life at the same time! However, I got stuck due to all kinds of interference and I hardly got my access to any emotions acting as my inspiration.

Why? I guess the feelings just haven’t been stimulated enough yet to cause a real storm inside my mind.

Well I feel the urge to immediately express that very “something” that has been hanging around every corner of my brain today because if I don’t put it down in time I will definitely miss it, whose happening can indeed make me feel sorry.

Ok, let me see what on earth I have been thinking on these mornings in my bed lately. Yeah, a young popular Chinese cartoonist named Xia Da has inspired me a lot by letting me know there is still something named DREAMS in the world. I had no idea how this 28-year-old girl (looking much younger than her age of 28) with amazingly cute and long hair came into my eyes, for I just couldn’t tell! That feeling was fantastic!

She not only looks good on the outside, but has also kept giving out a magic power from her deep inside every minute she talks, paints, and smiles… all those brought me an image of a fairy walking out of the cartoon series. Xa Da, she herself is a perfect cartoon character! Beneath her weak look of her appearance, she has such a strong heart that almost no one can take away easily…

Up to now, both you and me may wonder what makes this girl so strong and her eyes glow with dazzling and immortal light?

Well, a person with deep eyes must have his or her impressive life stories, and most of them must have gone through very much along his or her road of pursuit. Xa Da says, she has only one dream, which is never stopping painting her beloved cartoons and only paints whatever she wants. Her persistence is so unstoppable that even when the cartoon industry hasn’t formed its complete chains and market in China, which led to a very scrubby life for a newly graduated college student years ago. Yet, her persistence defines her final and current remarkable success by bringing her worldwide known title as the most promising cartoonist of China. What’s more, her works have received great popularity in the holy land of cartoons, Japan, where the cartoon readers

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are extremely picky for they have already had the greatest reputation of cartoon creation all around the world. And, it is absolutely unusual for such a young girl to have the fame that can ever compare to the rest of those aged famous legendary cartoon masters…

Why do I keep telling stories? What the hell is the point?

That is because I get another shock by the power of DREAMS! Again, I make clear sense that this kind of power, the power of DREAMS was, is, and will always remain there to motivate a person to go on with his or her life even though there once were many heart-breaking moments in the way.

That is what I am trying to put down, the power of pursuit, the magic of a person’s spirit, and the purity of a man’s DREAMS! All in all, I believe everyone needs this kind of power and should spare no efforts to trying to be close to it as long as we are mortal humans on the planet called earth, for nothing is more precious than holding firm to your dreams. My point is that once you grasp your DREAM, whatever it is, you will find the reason why you exist, who you are, and where you are going to…

I don’t know whether I have got your acknowledgement towards my boring writing or not, but I feel comfortable to express it all out.

Thank you for your time! 

Always Didn’t you ever hear God whisper to your ears?

Well, I did.

Mr. Christ told me words like these: The sun is to shine on thee, Flowers are to bloom beautifully, Birds are to sing wonderfully, Wings are to spread undoubtedly, The good are to be blessed dearly, As long as your heart beats, As long as you are patient enough to see, As long as you ask me in, As long as you let it be, As long as you dare to dream.

So please do not be as busy as a bee, Life is more than just you and me.

Do good, look good, feel good and most importantly, Never forget to move your feet.

So that sooner or later, by Lucky Fairy you will be kissed.

veF&

New

branches

MeeKeeSb

cesÌ[eDeojpe MeeKee, ieebOeerveiej DebÛeue

eqouueer iesš, heeuevehegj ieebOeerveiej DebÛeue

veKe$eCee MeeKee, ieebOeerveiej DebÛeue

Bagdogra Branch, Siliguri Zone

Nihal Singh Wala Branch, Ludhiana Zone

efieöjJeene MeeKee, uegefOeÙeevee DebÛeue

Sainikpuri Branch, Hyderabad Zone

Gahmariya Branch, Bhagalpur Zone

Gidderwindi Branch, Ludhiana Zone

All in One, One in All, Teaches Only One "Love"

T. Singari Sai Baba Colony Branch Coimbatore Zone

Others

New Premises, Dharwad Branch, Karnataka Zone

New Premises, Bhivandi Branch, Navi Mumbai Zone

Taarangan

June 2013

49

yeQeEkeâie hueme

efJeòeerÙe efMe#eCe –

Banking Plus

Debleje&°^erÙe efJeòeerÙe mebkeâš ves JewefMJekeâ DeLe& JÙeJemLee keâes PePekeâesj efoÙee nw. Fme mebkeâš keâe Fefleneme hetbpeerJeeo efpelevee ner hegjevee nw. Deye lekeâ Deveskeâ je°^eW ceW 525 efJeòeerÙe mebkeâš keâer IešveeSB osKeer pee Ûegkeâer nQ hej efJeiele leerve oMekeâeW ceW 124 yeQkeâ mebkeâš, 211 cegõe mebkeâš Deewj 64 je°^erÙe $e+Ce mebkeâš osKes ieS nQ. Ssmee keâesF& Yeer je°^ veneR nw pees Fme JewefMJekeâ mecemÙee mes DeÚtlee nes. meeceevÙeleŠ efpeve osMeeW ceW DeeefLe&keâ JÙeJemLee hegKlee SJeb pevemeeOeejCe mes pegÌ[er Leer JeneB hej efJeòeerÙe mebkeâš keâes yeKetyeer efveÙebef$ele efkeâÙee ieÙee hej peneb [eJeeb[ewue efmLeefle Deewj keâcepeesj DeeefLe&keâ {ebÛee jne, Deveskeâ je°^ Ûeewheš nes ieS. efJeòeerÙe meceeJesMeve : ue#Ùe Deewj OÙesÙe efheÚues kegâÚ oMekeâeW mes YeejleerÙe DeLe&JÙeJemLee efJeMJe JÙeeheej SJeb GÅeesie ceW De«eCeer Yetefcekeâe efveYee jner nw. yeQeEkeâie mesJeeDeeW keâes efveÛeues leyekeâeW lekeâ hengbÛeevee nceejs osMe kesâ veerefle efveefce&leeDeeW kesâ efueS meowJe ÛegveeweflehetCe& jne nw. DeeefLe&keâ mecegvveleer keâes osMe kesâ Debeflece JÙeefòeâ lekeâ hengbÛeeves ceW DeveskeâeW keâef"veeF&ÙeeB nw hej Gvvele ØeewÅeesefiekeâer keâer yeoewuele Ùen keâeÙe& efJeòeerÙe meceeJesMeve kesâ ¤he ceW meHeâuelee keâer Deesj De«emej nw, efpemekeâe ØecegKe ue#Ùe yeÛele, $e+Ce, yeercee, Yegieleeve Deewj OeveØes<eCe keâes mejue SJeb mebieef"le efJeòeerÙe JÙeJemLee keâe ceeOÙece GheueyOe keâjekeâj, meceepe kesâ efheÚÌ[s Deewj Deuhe DeeÙeJeeues mecetneW keâes iejeryeer jsKee mes Thej G"evee nw. nj Iej ceW DeeefLe&keâ #ejCe keâes jeskeâvee, efJekeâeme oj ceW yeÌ{esòejer, iejeryeer efceševee Deewj meYeer ueesieeW kesâ peerJevemlej keâes megOeejvee efJeòeerÙe meceeJesMeve keâe cegKÙe OÙesÙe nw. meJe& meceeJesMeer efJekeâeme, DeeefLe&keâ meceevelee Deewj efJekeâeme keâer iebiees$eer keâes meceepe kesâ veerÛeues leyekeâeW lekeâ ues peeves ceW efJeòeerÙe meceeJesMeve keâer Yetefcekeâe cenòJehetCe& nw. ueesieeW lekeâ yeQkeâes keâer meeJe&Yeewefcekeâ hengbÛe megefveefMÛele keâjves Deewj hetCe& efJeòeerÙe meceeJesMeve neefmeue keâjves nsleg meceÙeyeæ keâeÙe&›eâce yeveeÙee ieÙee nw. efpeuee efJeòeerÙe meceeJesMeve meefceefle, meYeer je°^erÙeke=âle yeQkeâes ceW efJeMes<e efJeYeeie Deewj je°^erÙe ke=âef<e SJeb «eeceerCe efJekeâeme yeQkeâ (veeyee[&) efJeòeerÙe meceeJesMeve keâes<e SJeb Gmekesâ lekeâveerkeâer keâes<e kesâ yeerÛe cegKÙe mesleg keâe keâeÙe& keâjlee nw. efJeòeerÙe meceeJesMeve keâeÙe& kesâ Debleie&le yeQkeâ MeeKee keâe efJemleej, yeQeEkeâie vesšJeke&â kesâ #es$eerÙe Demeblegueve keâes efceševee, JÙeJemeeÙe ØeefleefveefOe mebyebOeer jCeveerefle SJeb ceeie&oMe&ve, ßeefcekeâeW keâes efone[er keâe Yegieleeve, DeeOeej vebyej keâes efJeòeerÙe meceeJesMeve mes peesÌ[vee, meefyme[er keâe yeQkeâ Keelees ceW DeblejCe Deeefo keâes jKee ieÙee nw. Fve keâeÙeeX keâes megÛee¤ {bie mes ueeiet keâjves nsleg De«eCeer efpeuee yeQkeâ Ùeespevee, mesJee #es$e Âef°keâesCe yeQkeâes Éeje DeheveeF& peeleer nw. FmeceW efpeuee SJeb jepÙe mlejerÙe yeQkeâme& meefceefle, efpeuee ØeMeemeve leLee keâce&Ûeejer leb$e keâe menÙeesie efueÙee peelee nw.

efJeòeerÙe meceeJesMeve keâer Jele&ceeve efmLeefle meerSceDeeF&F& (Centre for Monitoring Indian Economic) Éeje 1,40,000 heefjJeejeW hej efkeâS ieS meJex#eCe Devegmeej efnceeÛeue ØeosMe meJee&efOekeâ

50

leejebieCe

petve 2013

efJeòeerÙe meceeJesMeve keâe ØeLece ÛejCe

[e@. metÙe&yeneogj eEmen ceeveJe mebmeeOeve efJeYeeie, Øe.keâe. efJeòeerÙe meceeJesefMele jepÙe nw, peyeefkeâ efyenej meyemes keâce. osMe ceW Menjer pevemebKÙee keâe 32% Deewj «eeceerCe #es$e kesâ 18% ueesie yeQkeâ KeeleeOeejkeâ nQ. efJeiele ceeÛe& 2011 lekeâ osMe kesâ 60,000 JÙeJemeeÙe ØeefleefveefOe (yeer.meer.) ves meele keâjesÌ[, $esÙeeueerme ueeKe MetvÙe jeefMeJeeues veS Keeles Keesues nQ. efpemeceW mes kesâJeue 3 mes 15% ner meef›eâÙe nw. Mes<e ceW keâesF& uesveosve veneR neslee nw. efJeòeerÙe meceeJesMeve mejkeâej keâer meJeexÛÛe ØeeLeefcekeâlee nw. keWâõ mejkeâej Øeefle Je<e& ueieYeie leerve npeej keâjesÌ[ ®heÙes iejeryeer jsKee mes veerÛes yemes ueesieeW kesâ efueS hengbÛee jner nw. peyeefkeâ jepÙe mejkeâejeW ves 32 ÙeespeveeDeeW keâer jeefMe meerOes yeQkeâ Keelees ceW meceeÙeesefpele keâjves keâe efveCe&Ùe efueÙee nw. Fme ceeceues ceW yenggØeÛeefuele [erSHeâSme cee@[sue (Department of Financial Services – GoI) kesâ Debleie&le efyepevesme keâjmhee@[vš Jee efyepevesme Hesâmeerefuešsšj kebâheveer kesâ mLeeve hej meewj Tpee& Ûeefuele «eeceerCe yeeÙeescesš^erkeâ SšerSce keâe osMeJÙeeheer mebpeeue Hewâueves hej efJeÛeej ØemleeefJele nw. efJeòeerÙe meceeJesMeve mesJee keâes ceefnuee mJemeneÙelee mecetn, DeeMee keâeÙe&keâlee&, DeebieveJee[er keâceea, [ekeâIej, efMe#ekeâ, Hegâškeâj ogkeâeve, Keeo keâer ogkeâevees Éeje yeQeEkeâie vesšJeke&â mes pegÌ[keâj mebÛeeefuele keâjves keâe veÙee ØemleeJe efJeÛeejeOeerve nw. vebove efveuekesâCeer meefceefle ves Jele&ceeve yeQeEkeâie keâjmhee@v[vš JÙeJemLee ceW DeeOeej vebyej DeeOeeefjle Yegieleeve ceMeerve keâe GheÙeesie, heefjÛeueveelcekeâ SkeâeefOekeâej keWâõer KeeefceÙeeW keâes otj keâjves leLee meYeer JÙeJemeeÙe ØeefleefveefOe keâes meeJe&peefvekeâ yeQkeâ vesšJeke&â mes pegÌ[er Yegieleeve ceMeerve osves keâe ØemleeJe jKee nw.

efJeòeerÙe efMe#eCe keâe cenlJe lespeer mes efJekeâefmele nes jns ceneveiejeW SJeb Menjer ueesieeW ceW yeQeEkeâie Deewj DeeefLe&keâ peeie¤keâlee DeefOekeâ nesleer nw hej «eeceerCe ogie&ce efheÚÌ[s YeeieeW ceW DeYeer Yeer hejbhejeiele DeeefLe&keâ {ebÛee heefjJele&ve kesâ ceesÌ[ hej nw. kegâÚ oMekeâeW henues efJeòeerÙe efMe#eCe pÙeeoelej osMeeW keâer ØeeLeefcekeâlee metÛeer ceW veneR ngDee keâjlee Lee hej DeeefLe&keâ ceneIeesšeueeW, yeÌ{leer OeesKeeOeÌ[er, "ieer kesâ ceeceues, ueesieeW keâer YeefJe<Ùe Øeefle YeeJegkeâlee keâe ieuele HeâeÙeoe G"eves keâer IešveeDeeW keâer yeoewuele ueesieeW keâer yeÛele keâes DeefOekeâeefOekeâ vegkeâmeeve hengbÛee nw. DeeefLe&keâ efJe<ecelee, Yeü°eÛeej, mejkeâejer Oeve keâe og®heÙeesie jeskeâves, meengkeâejeW SJeb efJeòeerÙe ieÌ[yeÌ[er keâjves Jeeues DeJeebÚveerÙe lelJeeW hej DebkegâMe ueieeves, peveceeveme keâes efJeòeerÙe mee#ej yeveeves keâer DeeJeMÙekeâlee lespeer mes Ghepeer nw. menkeâeefjlee, menkeâejer Ghe›eâceeW keâe efJemleej, met#ce efJeòe, iewj-yeQeEkeâie efJeòe kebâheefveÙeeB, veerefpe #es$e keâes yeQeEkeâie keâeÙe& keâer Devegceefle Deewj yeQkeâ

megOeejelcekeâ efJeOesÙekeâ efJeòeerÙe efMe#eCe keâes hegKlee yeveeves keâer Deesj Fbefiele keâjlee nw. yeÌ{les Fbšjvesš mebpeeue, F&-yeQeEkeâie, ceesyeeF&ue yeQeEkeâie, SšerSce keâe ØeÙeesie SJeb veJeesvces<e «eenkeâ megefJeOee keWâõer yeQkeâ ØeewÅeesefiekeâer ves ueesieeW keâes heefjJeefle&le mlej keâer peevekeâejer keâe DevegØeÙeesie yeÌ{eÙee nw, efpemes meceÙeesefÛele efJeòeerÙe efMe#eCe Éeje ner Øeehle efkeâÙee pee mekeâlee nw. hetjs osMe kesâ mekeâue peve mecegoeÙe keâes Deheveer ceešer, Deheveer Yee<ee Deewj Dehevee heefjJesMe Fme cetueceb$e kesâ DeeOeej hej efJeòeerÙe efMe#eCe Øeoeve keâj efJeòeerÙe mee#ej yeveevee, GvnW efJeòeerÙe meceeJesMeve ceW ueevee Deepe mejeskeâej yeve ieÙee nw. ØeeÙeŠ meYeer ueesieeW keâes efJeòe mebyebOeer keâeceÛeueeT peevekeâejer nesleer nw, efpemekeâe iegCeelcekeâ mlej Gvekesâ mebJÙeJenej, peeie¤keâlee, DeeÙeŒeesle, Mewef#ekeâ ÙeesiÙelee, heefjJesMe SJeb efveJesMe DeJemej keâer peevekeâejer hej DeeOeeefjle neslee nw. DeeÙe Depe&ve keâjves ÙeesiÙe Gceü mes ner ueesie peeves-Debpeeves ceW ner Deheveer Deeceoveer keâe yepeš, Gmekeâe KeÛe& SJeb yeÛele heejbheeefjkeâ ¤he mes keâjles nQ. Fmeer DeeOeejYetle leLÙe keâes mener efJeòeerÙe efMe#eCe Øeoeve keâj ØeYeeJekeâejer yeveeÙee pee mekeâlee nw, efpememes JÙeefòeâiele o#eleeDeeW keâes efveKeejkeâj DeevesJeeues efJeòeerÙe og<heefjCeeceeW keâes jeskeâe pee mekeâlee nw.

efJeòeerÙe efMe#eCe keâe ceneÉej efJeMJe DeeefLe&keâ menÙeesie SJeb efJekeâeme mebie"ve ves ogefveÙeeYej ceW efJeòeerÙe efMe#eCe SJeb mee#ejlee ceW megOeej nsleg Deeblejmejkeâej Ùeespevee 2003 kesâ Debleie&le meceeve efJeòeerÙe mee#ejlee efmeæeble Øeefleheeefole efkeâS. lelheMÛeele ceeÛe& 2008 ceW GvneWves Deblejje°^erÙe efJeòeerÙe efMe#eCe keâe ceneÉej Keesuee, pees JewefMJekeâ efJeòeerÙe efMe#eCe mes mebyebefOele keâeÙe&›eâce, metÛevee SJeb mebMeesOeveelcekeâ keâeÙeeX keâe meceeMeesOeve ie=n nw. pees JÙeefòeâ keâes efJeòe mebyebOeer efveCe&Ùe uesves ceW meneÙelee keâj Gmes efJeòeerÙe meyeuelee Øeoeve keâjleer nw. meeOeejCe DeLeeX ceW efJeòeerÙe mee#ejlee, efJeòe keâes mecePeves keâer #ecelee nw. Fme heefjYee<ee keâe DeeMeÙe efJeòe ÙeespeveeS, efJeòeerÙe Glheeo ceW ceewpetoe peesefKece SJeb heefjhekeäJelee, Yegieleeve keâer mecePe, mener Glheeo keâe ÛeÙeve, Glheeo Øeoelee kebâheveer keâe ÛeÙeve, keâj, ueeiele, Megukeâ, ØeYeej Deeefo cemeueeW keâes hetCe& ¤he mes mecePekeâj mener efveCe&Ùe uesves mes nw.

efJeòeerÙe efMe#eCe heæefleÙeeB efJeòeerÙe efMe#eCe keâer meJe& megueYe heæefle DeefYeueef#ele Jeie&, efveJesMe #ecelee, efveJesMe keâe efJeòeerÙe %eeve, Deewj DeJeefmLele DeeefLe&keâ efmLeefleÙeeW kesâ meboYe& ceW yeveeÙee peelee nw. FmeceW efJeÅeeLeea Jeie&, mesJeejle Jeie&, Deewj mesJeeefveJe=òeer ueesieeW keâes Deueie hewceeves hej efJeòeerÙe efMe#eCe Øeoeve efkeâÙee peelee nw. efJeòe SJeb efJeòeerÙe mesJeeDeeW keâe cetueYetle %eeve meefnle Jeie&Jeej Ùee #es$eJeej mecetneW keâes Gvekesâ mlej kesâ DeeOeej hej Ùen efMe#eCe efoÙee pee mekeâlee nw. pewmes keâer efveJesMe mee#ejlee kesâ meboYe& ceW efveJesMe mes pegÌ[s efJeefYevve peesefKece, OeesKeeOeÌ[er jeskeâves kesâ mekeâejelcekeâ GheeÙe, efveJesMekeâ kesâ meeceevÙe %eeve ceW yeÌ{eslejer, mesJee ØeYeej SJeb Megukeâ kesâ yeejs ceW yeleeÙee peelee nw.

YeejleerÙe ØeefleYetefle Deewj efJeefveceÙe yees[& (mesyeer) Éeje mLeeefhele SJeb mebÛeeefuele je°^erÙe ØeefleYetefle yeepeej mebmLeeve (National Institute of Securities Management) efJeÅeeLeea Jeie& kesâ efueS ‘hee@kesâš ceveer’ keâeÙe&›eâce ueeiet efkeâÙee nw, efpemeceW efJeÅeeLeea SJeb efMe#ekeâeW keâes efJeòeerÙe %eeve menpelee mes efoÙee peelee nw.

YeejleerÙe efj]peJe& yeQkeâ ves Deheves JesyemeeF&š hej efJeÅeeefLe&ÙeeW keâes DeefYekeWâefõle keâj Jesye hespe yeveeÙee nw. kegâÚ keâe@efcekeäme keâer efkeâleeyeW yeveeF& nw. yeercee efJeefveÙeecekeâ Deewj efJekeâeme ØeeefOekeâjCe ves jbpeve veecekeâ cemeKeje yeveeÙee nw, pees yeercee mebyebOeer %eeve Øeoeve keâjlee nw.

Deblejje°^erÙe efJeòeerÙe mebkeâš kesâ heMÛeele mejkeâej ves efJeòeerÙe DeÛeuelee SJeb efJekeâeme heefj<eo (Financial Stability & Development Council) keâer

mLeehevee keâer nw, efpemekesâ meefceefle meomÙeeW ceW heWMeve efveefOe efJeefveÙeecekeâ Deewj efJekeâeme ØeeefOekeâjCe Deewj yeercee ØeeefOekeâjCe nw. Ùen heefj<eo meJeexÛÛe efveÙeecekeâ kesâ ¤he ceW keâeÙe& keâj jner nw Deewj efJeòeerÙe efMe#eCe hej Øee¤he yeveeÙee nw. efJeòeerÙe efMe#eCe mebyebOeer keâeÙeeX ceW oef#eCe Yeejle kesâ ceveer efJepee[& ves efJeÅeeefLe&ÙeeW kesâ efueS JÙeJeneefjkeâ %eevecetuekeâ keâeÙe&›eâce yeveeS nQ. keWâõerÙe ceeOÙeefcekeâ efMe#ee DeeÙeesie (CBSE) Deheves Mew#eefCekeâ hee"Ÿe›eâce ceW efJeòeerÙe %eeve jKe jner nw.

JewefMJekeâ JÙeeheej mketâue pees efJeòeerÙe %eeve keâe Deketâle Yeb[ej nw, efJeòeerÙe efMe#eCe hee"Ÿe›eâce yeveeves ceW Dence Yetefcekeâe efveYee mekeâles nw. ueeiet hee"Ÿe›eâce ceW Ûe›eâJe=æer yÙeepe Ùee veerefle MeeŒe ceW efJeòeerÙe efMe#eCe %eeve keâes ØeieeÌ{ yeveeÙee pee mekeâlee nw.

efJeòeerÙe efMe#eCe keâer ÛegveewefleÙeeB neue ner ceW 28 osMeeW ceW efJeòeerÙe mee#ejlee mebyebOeer meJex#eCe ceW Decesefjkeâe ÛeewLes SJeb Yeejle lesF&meJeW mLeeve hej nw. Decesefjkeâe ceW [e@[-øe@âkeâ Jeeue mš^erš efjHeâece& 2010 Deewj «eenkeâ mebj#eCe keâevetve kesâ lenle efJeòeerÙe mee#ejlee hej meJex#eCe keâjeÙee nw. Decesefjkeâer ueesieeW keâes Ûe›eâJe=efæ yÙeepe, mesJeeefveJe=òeer Ùeespevee, efveJesMe OeesKeeOeÌ[er jeskeâLeece GheeÙe SJeb ueeiele kesâ yeejs ceW peevekeâejer keâe mlej vÙetve Lee. Ûeerve Deewj peeheeve keâer leguevee ceW YeejleerÙe ceefnueeDeeW keâe efJeòeerÙe %eeve DeefOekeâ Lee. Gvekeâe ceemšj keâe[& efuešjsmeer Fb[skeäme ceW mLeeve iÙeejnJeeb Lee. YeejleerÙe efj]peJe& yeQkeâ Deewj YeejleerÙe ØeefleYetefle SJeb efJeefveceÙe yees[& ves efJeòeerÙe efMe#eCe hej je°^erÙe jCeefveefle (National Strategy for Financial Education) keâe cemeewoe Ieesef<ele efkeâÙee nw. Fmes pevemegPeeJe nsleg hesMe efkeâÙee nw Deewj peuoer ner ueeiet efkeâÙee peeSiee. efJeòeerÙe efMe#eCe kesâ Debleie&le ueesieeW keâes efJeòeerÙe henuetDeeW kesâ yeejs ceW heÌ{evee, efveJesMe Glheeo, efveÙeecekeâeW keâer mesJee mebyebOeer %eeve, efveJesMe jCeveerefle keâer heejoefMe&lee, efveJesMe efJeMes<e%eeW SJeb mesJee ØeoeleeDeeW keâer he=‰Yetefce keâer peeBÛe Deeefo efJe<eÙe jKeves neWies. efJeòeerÙe efMe#eCe meece«eer keâer iegCeJeòee Deewj DeOÙeeheve efJeÅee keâes meceÙeevegkegâue yeveevee nesiee leLee Gmes melele efJekeâefmele keâjvee nesiee. ‘‘YeejleerÙe DeeefLe&keâ mJeeOeervelee keâe DeLe& nj JÙeefòeâ keâe DeeefLe&keâ GlLeeve nw’’ — cenelcee ieebOeer nceejs osMe ceW nj JÙeefòeâ kesâ DeeefLe&keâ GlLeeve nsleg efJeefYevve keâuÙeeCekeâejer ÙeespeveeDeeW hej Deceue efkeâÙee peelee nw. cenelcee ieebOeer Éeje keâefLele Gefòeâ keâes ÛeefjleeLe& keâjves ceW nceeje mebefJeOeeve, mejkeâej, efJekeâemecetuekeâ keâevetve SJeb hetjer JÙeJemLee keâefšyeæ nw. efJeòeerÙe meceeJesMeve mebyebOeer Fme Øehe$e ceW nceves heeÙee keâer Fme ØeÙeespeve keâe GösMÙe SJeb ue#Ùe meJe& meceeJesMeer efJekeâeme keWâõ nw. efJeòeerÙe efMe#eCe pees efJeòeerÙe meceeJesMeve keâe ØeLece ÛejCe nw, Fmeer ue#Ùe keâes Øeehle keâjves ceW mengefueÙelekeâej keâer JÙeJemLee efceueelee nw.

Ghemebnej efJeòeerÙe efMe#eCe mes efJeòeerÙe mee#ejlee keâe mlej DeJeMÙe megOejsiee. efJeÅeeefLe&ÙeeW keâes Øeoeve efkeâÙee ieÙee Ùen %eeve ve cee$e Gvekeâes efJeòeerÙe meyeue yeveeSiee, hej Jen Deheves mesJeeefveJe=òe heefjJeejpeveeW keâes Yeer efJeòeerÙe efveCe&Ùe uesves ceW meneÙelee keâjWies. efpeme leer›e ieleer mes efJeòeerÙe mesJee #es$e ceW megOeej, ØeeflemheOee& Deewj heejoefMe&lee ØeJesMe keâj jner nw, Gmekeâer ogieveer ieefle mes efJeòeerÙe efMe#eCe keâes yeÌ{evee nesiee. efJeòeerÙe efMe#eCe ceW Deveble mebYeeJeveeSb nw. Fmemes mebyebefOele efMe#eCe meece«eer keâer Deblejje°^erÙe ceebie nw. Fmes efJekeâeme GvcegKe yevee efJeòeerÙe meceeJesMeve keâes meHeâue yeveeves ceW meyemes cenòJehetCe& nw. nceW efJeòeerÙe mee#ejlee SJeb hejeceMe& keWâõeW keâer JÙeehekeâlee yeÌ{evee, Gvekesâ efveŠMegukeâ efJeòeerÙe mee#ejlee/efMe#ee leLee meeKe hejeceMe& keâe Øemeej keâjvee nesiee. «eeceerCe efJekeâeme SJeb mJejespeieej ØeefMe#eCe mebmLeeve kesâ ef›eâÙeekeâueeheeW keâe leeuecesue hejeceMe& keWâões mes yeveekeâj efJeòeerÙe meceeJesMeve keâes efÉiegCeerle efkeâÙee pee mekeâlee nw. Ùen efJeMues<eCe efmeæ keâjlee nw efkeâ efJeòeerÙe  efMe#eCe, efJeòeerÙe meceeJesMeve keâe ØeLece ÛejCe nw.

Taarangan

June 2013

51

Oece&mebmkeâej

Religion

g a e m t i o r g Shir l i P di

Exactly after one month after the unfortunate and sad demise of my father, Shri Narayan Dinanath Sarangdhar, I was struck with paralysis on 05-02-2012 and I was Kumar Narayan Sarangdhar hospitalized for eleven days. My wife, Mangala, and daughter, Shweta, got panicky, and Retail Hub Branch thought that my days on this planet had numbered. So, my wife fervently prayed to Sai Baba for my Mumbai South Zone speedy recovery and took a decision that if I was cured of this life threating ailment, she would pay visit to Shirdi. And lo and behold! her prayer was answered whereupon she planned a jaunt to this holy place.

W

e boarded an air-conditioned bus that left Mumbai at night, and reached Shirdi-situated on Ahmednagar Manmad highway-the next day at the crack of dawn. On the same day in the afternoon, we visited Sai Baba temple. Before entering the temple, our pockets and purses were thoroughly checked with metal detectors by the security personnel. The pilgrims are not allowed to carry with them video camera and mobile. On duty security guards were moving about with sten guns slung over their shoulders. Closed circuit televisions were installed at strategic places to keep tab on the movements of devotees.

The balustrades of steel rods were erected so that the pilgrims could file through the aisles in orderly manner without causing stampede.

Shuffling our way through the maze of corridors, halls, descending and ascending quite a few flights of stairs, at long last, we arrived at sanctum sanctorum which was jam packed with the devotees. The entire prayer hall echoed with the shouts of “Shri Sainath Maharaj Ki Jai’. The figures of God, Goddesses, flowers and leaves are exquisitely and intricately engraved on the silver paneling. The life size statue of Sai Baba in sitting posture is placed on a silver throne.

Just few inches behind the spot where Baba took Samadhi on Tuesday,15-10-1918.A richly embroidered shawl was wrapped around the idol over which hung a richly gilded canopy. There was scramble among the devotees to place their heads on the feet of Sai Baba’s statue before making exit. Just outside the rear exit is a huge neem tree under which Sai Baba sat, received his disciples-irrespective of caste, creed or religion, showered blessings on them, and delivered sermons.

In lying the precincts of the temple are Nanawali Samadhi, Haji Abdul Baba Samadhi, and temples dedicated to Shiva, Hanuman, Ganesh and Shani. Also, there is a museum showcasing the panoply of Baba’s paraphernalia comprising a cot on which He had bathed for the last time, a palanquin gifted to Baba which was never used by Him. There are encased idols of Ram, Laxman, Sita and Krishna bought by Gopal Rao Butti. Baba had appeared in Butti’s dream, and had urged him to construct a wada (palace).

Nearby is Baba’s modest dwelling place ‘Dwarkamai’ housing Baba’s grinding stone, a jute bag of wheat which is replaced every year on the day of Ramnavmi. A fire lit by Baba still burns here. Baba used to give udi (ash) to his devotees to solve their problems, and He would cook food to be distributed among them. A stone slab having the imprint of Baba’s feet is carefully preserved in a glass case. Baba used to proceed in procession from Dwarkamai to Chawadi-an old apartment consisting of two airy rooms-on every alternate day. Even today, Baba’s paduka and staff are brought in a palanquin from from Dwarkamai to Chawadi every Thursday. Once I saw on a big screen,just outside Chawadi, Shatrughan Sinha singing ‘Sainath Tere Hazaro Hath’.The soulful song touched the right chord.

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A little distance away from Sai Baba temple is Khandoba temple supposed to be the oldest temple in Shirdi dating back to the seventeenth century. Lord Khandoba –presiding deity of Jejuri near Pune-was reincarnation of Lord Shiva, and was created by Bramha to kill a demon. Sai Baba graced this temple with his august prescence, and, thus, lent aura of holiness and piety to it. I saw a framed photograph of film star Manoj Kumar; his hands resting on the shoulders of caretaker’s grand children. He is an ardent devotee of Sai Baba and visits Shirdi very often. It is still not known where Sai Baba was born, and where He came from before taking up residence at Shirdi for good.

Next day, we hired a maruti van and set out to see Shani temple at Shignapur some 75 kms away from Shirdi. As the driver switched on the tape recorder, the strains of the devotional songs lulled me to sleep. But, I kept my eyes wide open to take in the arboreous sierras, lush-green fields, shimmering lakes and granges that fleeted by in quick succession. At Shignapur, the incidence of pilferage is non est.

Its inhabitants invariably leave their houses unguarded. It is believed that those who commit theft are severely punished by God Shani.

Before entering the Shani temple, I was instructed to divest myself of the clothes I wore above my waist. I was made to wear an orange lungi, and took bath under a running tap. I, then, walked barefoot, stripped to the waist, up to the temple holding a thali containing all unique the ingredients required for performing pooja which is an elaborate affair.

The distinctiveness of this temple is no structure houses the swayambhu (self-formed) idol of black stone standing on a simple platform.

On our way back we took halt at Sonai village, and saw the temple of Renukadevi. The entrance to the temple is flanked by the statues of elephants with their trunks raised heavenwards. The walls of the temple are inlaid with glass pieces of various hues deftly and exquisitely arranged in geometric and floral patterns. Every year on Kartiksuddha Asthami the rays of the sun directly fall on the swayambhu (selfformed) idol of Renukadevi at the basement of the temple. From there we were driven to a quaint little village, Sakuri, where we espied a lovely cottage that proudly stood out amidst tall shady trees. It was here Upasni maharaj, disciple of Sai Baba, and his pupil, Kanyakumari, lived and took Samadhi.

When I returned to Mumbai, I felt that though I physically existed in the congested polluted city that goes by the name of Mumbai, my body was bereft of soul. Gandhiji had aptly remarked that India lives in villages. But I would go a step farther, and say that not only my soul lives in a homestead of a picturesque village, but, also occasionally roams through the lush greenwoods and verdant dales-of course, romancing with lissome lasses-in search of hitherto unknown beautiful places hidden in the folds of nature, eternal peace and bliss. 

veS SšerSce

Kesueketâo

New ATMs

Kishanganj Branch, Bhagalpur Zone

Alkapuri Branch, Vadodara Zone

Sports

CMD Smt. V.R. Iyer with Sports Secretary Shri Bhargav Kadam & Kabaddi Secretary Shri Pramod Pendarkar and all team members.

Our Banks Kabaddi Team held "Second Position" in Mumbai Mayor Trophy All India Kabaddi Tourament held in Mumbai.

DeebÛeefuekeâ keâeÙee&ueÙe, Fboewj DebÛeue ceW keâeÙe&jle mšeHeâ DeefOekeâejer ßeer efceefuebo Ûe›eâosJe ves ceOÙeØeosMe keâe@vš^skeäš efyeÇpe SmeesefmeSMeve Éeje Fboewj ceW DeeÙeesefpele jepÙe efyeÇpe mheOee& ceW efyeÇpe HeâWme keäueye keâer Deesj mes Kesueles ngS šerce kesâ meeLe ØeLece mLeeve Øeehle efkeâÙee. ßeer efceefuebo Ûe›eâosJe efoveebkeâ 22 Deiemle mes 25 Deiemle 2013 lekeâ yeveejme ceW DeeÙeesefpele nesves Jeeueer Dee@@ue Fbef[Ùee keâe@vš^skeäš efyeÇpe mheOee& efÛe$e ceW ßeer efceefuebo Ûe›eâosJe yeeSb mes ØeLece ceW ceOÙeØeosMe keâer Deesj mes efMejkeâle keâjWies.

Kerala Zone participated in Cricket Tournament organized by Greater Club Kochi and stood RunnersUp. Team members of Zonal Office Team.

Demotand Branch, Hazaribagh Zone

Amritnagar Branch, Kolhapur Zone

Verur Branch, Nagpur-2 Zone

Rara Sahib Branch, Ludhiana Zone

Bachupally Branch, Hyderabad Zone

Vignan Nagar, Karnataka Zone Taarangan

June 2013

53

Jeen yeÛÛ

Wah Bac ees hho

Sme.Sme.meer.  S.S.C.

Radha, D/o Smt. Alka Vilas Sinkar Ratnagiri ZO 96.36% SSC

Omkar, S/o Shri Vijay Bhatkande, Kolhapur Zone 96.18%

Dhanashree D/o Smt.Viju Kurup, Mulund (West) Br. 93.44%

Sushmita D/o Shri Shyamal Karmakar, RMD, HO 92.73% SSC

Pritika D/o Smt. Mini K. Menon HRMS, H.O. 92.73%

Rahul, S/o Shri Ravi S. Singh, Lokhandwala, Kandivali East Br. 92.18%

Vaidehi, D/o Smt Anita Hemant Satoskar, Chiplun Br., Ratnagiri Zone 92.18%

Nilanjan Moitra S/o Shri Goutam Moitra, Kolkata Zone 92.5%

Sonali D/o Shri Sanjeev Sherlekar HRMS, H.O. 91.82%

Chinmay S/o Shri Sanjay Bhagwat, Ratnagiri Zone 90.18%

Shyam S/o Shri B. Gadhwala Westlands Br. Nairobi 88%

Sunandita D/o Smt. Chirtra Chakraborty, Kolkata Zone 84.85%

meeryeerSmeF&/DeeF&meerSmeF&  CBSE/ICSE (X std)

Saumitra S/o Shri Abhijit Bose, ED Sectt; H.O. 95%

Shrirupa Baidya D/o Shri Koushik Ray, Kolkata Zone 94%

Saema D/o Shri Nadeem Riyaz Ansari, Nagram Branch, Lucknow Zone 93%

meer.yeer.Sme.F&./ DeeF&meerSmeF& 

SÛe.Sme.meer.

CBSE/ICSE (XII std)

T.E. Sai Prasad S/o Shri T.E.Ananth, Porur Br., Chennai Zone 96.7%

54

Soumay S/o Shri Arvind Kumar, RMD, New Delhi Zone 95.2%

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Chaitanya S/o Shri Arvind Kumar, RMD., New Delhi Zone CGPA “10”



H.S.C.

Gauri d/o Shri Mahendra Sakpal, HRD, HO 78.33%

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Shradha D/o Shri N. Chandrasekar, SME, H.O. Smt. Smita Chandrasekar, RBC, Navi Mumbai Zone, CGPA “10”

Shipra D/o Shri Koushik Das, STC Kolkata CGPA “10”

Shefali D/o Shri Sameer Ratolikar, IT, HO CGPA 9.8

M. Smiley, D/o Shri M.Mohan, Karimnagar Branch, Hyderabad Zone “CGPA” 9.6

DevÙe  Others Outstanding Undergraduate Student Researcher for the Mississippi State University U.S. His abstract submission, "Computer Vision for Detection of SWAT Teams in Challenging Environments Using Long Wave Infrared Imagers," was approved for presentation at the National Council on Undergraduate Research (NCUR) Conference Ankit Singh 2013 at the University of Wisconsin-La Crosse chosen from more than 3500 submissions and recognised for Best S/o Shri B.S. Arya, ZO, Bhopal Zone Student Paper Award.

Kartik S/o Smt. Achala Kiran Lad, Kopri Colony Branch PG in Management IIM-Ahmedabad

Ms Manisha D/o Shri Pardeep Kumar, Ludhiana MCB 65.71% (NET)

DevÙe Other ieefleefJeefOeÙeeB Activities

mebmeoerÙe jepeYee<ee meefceefle ves Yeesheeue DebÛeue keâer nesMebieeyeeo MeeKee keâe oewje SbJe efvejer#eCe efkeâÙee. Fme DeJemej hej (yew"s ngS— yeeSb mes) meb.je.me. kesâ ceeveveerÙe meebmeo– [e@ jIegJebMe Øemeeo efmebn (ueeskeâmeYee), ßeerceleer Pejveeoeme yewÅe (jepÙemeYee), mebÙeespekeâ SJeb mebmeo meomÙe (jepÙemeYee) Øees. Deuekeâe yeuejece #e$eerÙe, meefÛeJe (meefceefle) ßeer MÙeece megboj Jeefj.Deveg.De. ßeer Øeoerhe kegâceej Mecee& SJeb mebmeo meomÙe (ueeskeâmeYee) ßeer ngkeäceosJe veejeÙeCe ÙeeoJe. meeLe ceW meb.efve.(je) ie=n ceb$eeueÙe, Yeejle mejkeâej [e@ Jeso ØekeâeMe ogyes, DeeefLe&keâ meueenkeâej, Yeejle mejkeâej ßeer jpele meÛÛej, ce.Øe. ßeer jeOeeveeLe keâj, Deeb.Øe. ßeer jepeerJe kegâceej ieghlee SJeb yeQkeâ kesâ DevÙe Jeefj‰ jepeYee<ee DeefOekeâejerieCe KeÌ[s nQ.

CGM (HR) Shri A.P. Ghugal during Free Medical Check-Up Camp organised at HO along with members of Staff Welfare Committee, BOI. Kerala Zone ZM Shri Manoj Kapoor felicitated 4th rank holder of UPSC 2012-13 Batch Dr. Alby John Varghese. Dr. Alby is customer of our Anchelpetty Branch.

peceejeefMe

| Deposit

Yeesheeue DebÛeue keâer jsnšer MeeKee kesâ heeme megØeefmeæ meuekeâvehegj ceelee cebefoj ceW yeQkeâ Éeje efoS ieS menÙeesie kesâ DeJemej hej Dee.Øe. ßeer jepeerJe kegâceej ieghlee, Yej.efj.yeQ.#es$eerÙe efveosMekeâ ßeer heer. Deej. jefJe ceesnve SJeb DevÙe heoeOeefjkeâejerieCe.

veeiehegj DebÛeue 2 ceW keâeÙe&jle ßeer jefJe efiejns ceneje<š^ kesâ keâeceieej jepÙeceb$eer ßeer jepesvõ ieeefJele leLee DeeÙegkeäle ßeer ceesnve Oees$es mes ‘iegCeJeble keâeceieej hegjmkeâej 2012’ mecceeve Øeehle keâjles ngS. ßeer efiejns keâes Ùen mecceeve ceneje<š^ keâuÙeeCe ceb[ue, cegbyeF& Éeje efJeefYevve meeceeefpekeâ ieefleefJeefOeÙeeW ceW Glke=â<š Ùeesieoeve kesâ efueS Øeoeve efkeâÙee ieÙee nw.

F&ceeveoejer | meleke&âlee

Shri Pravin B. Shah Manek Chowk Branch, Ahmedabad Zone ` 18 Crores

ßeer censvõ heer. ÛeeJeÌ[e, veJejbiehegje MeeKee, Denceoeyeeo DebÛeue ` 2 keâjesÌ[

Shri Surinder Singh Chouhan, Ujjain Zone ` 1.26 Crores

Shri Waman Shankar Bhokte, Karve Road C&P Branch, Pune Zone

Shri Ankush Chavan, Cumballa Hill Branch, MSZ

GheÙeg&keäle mšeHeâ-meomÙeeW ves meesves/Ûeeboer kesâ DeeYet<eCe leLee vekeâoer/DevÙe cetuÙeJeeve meece«eer MeeKee heefjmej ceW heÌ[s ngS/Deefleefjkeäle heeS Deewj Fve cetuÙeJeeve JemlegDeeW keâes «eenkeâeW keâes ueewšekeâj Deheveer F&ceeveoejer keâe heefjÛeÙe efoÙee – mebheeokeâ

Taarangan

June 2013

55

peeie¤keâlee Awareness

Protection from S

uspicious transactions can take place in two ways.

V. N. Kulkarni, Chief Counsellor, Abhay Credit Counseling Centre

a) Card present transactions like withdrawal from ATM or Cards swiped in store, restaurants etc. b) Card not present transactions like purchases through internet & mail order/telephone order (MOTO).

Let us now take a look as to how the fraudster commit cyber crime. The fraudsters use different methods to get details of the card say ATM card / Debit card /Credit card.

Of late many people are the victims of cyberattacks and have lost good amount of money. One has to be vigilant to protect themselves from such attacks. A few points stated below may help you in taking some basic precautions 56

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financial institutions like banks.

These emails usually state that the user needs to urgently update or validate his account information after clicking on a link in the email.

The link, however, leads the victim to a fraudulent website that looks very much like the bank’s original portal

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i) Card skimming It involves the fraudulent copying of information from the magnetic strip of a credit or ATM card.

One of the ways that credit/ debit cards can be compromised at ATMs or points-of-sale machines is by using a skimming device. In this scam, a pocket-sized scanner is usually attached over the card reader. After that, when a customer swipes a credit or debit card, the skimming device secretly records the card’s information.

Alternatively, a fake POS machine is employed. This machine does not debit any cash from the account; instead it just gives you a fake bill, while also copying the data from the card's magnetic strip. The crooks later retrieve the device and use the information to create cloned cards, or to make online transactions ii) PHISHING

Hack attacks start with ‘phishing’, a term used to describe an online scam where fraudsters steal a victim’s personal information by sending out emails that appear to have originated from legitimate

iii) POS MALWARE Anti-virus companies recently have discovered a malware called Dexter, this malware targets Point of Sale systems at big-name retailers, hotels, restaurants etc. iv) PHARMING

Fraudsters are adopting a unique method of sending a fraudulent site by using a computer virus, which could possibly have originated from a phishing email

v) SOCIAL ENGINEERING

Social engineering involves a scam where the perpetrators interact with a victim in the guise of bank executives, insurance salesmen or utilities engineers. This interaction could take place over the phone or in person, where these skilled crooks ask for critical data after gaining the victim’s confidence.

These ‘executives’ usually promise the victim some sort of reward or financial benefit in exchange of the information.

The moot question now is how one can protect from all these attacks and by chance one is a victim, then how to deal with it.

1) The first step one should take is that periodically keep track of your account by going through the statement of account and if any suspicious or transaction which is not pertaining to him / her is detected bring it to the notice of the bank in

writing so that immediate action can be taken. If there is delay it may be difficult go through the records for the banker as well.

2) Inform your mobile number to be linked with the accounts which you are operating so that you keep on getting mobile alerts whenever a transaction is done in your account may be a withdrawal from ATM and or a card swipe in a store. This keeps you on alert If you find that transaction is not yours, then contact your bank immediately so that they can nab the culprit and further damage can be avoided. If it happens to be a transaction of card immediately block the card by calling the Help line number.

yeQkeâ ceW ceefnuee MeeKeeDeeW keâe GodIeešve

Inauguration of Ladies Branches in Bank

JewMeeueer veiej ceefnuee MeeKee, jepemLeeve DebÛeue

ÛetveeYeóer MeeKee, ØeLece ceefnuee MeeKee Yeesheeue DebÛeue

3) Avoid filling forms in E mail messages that ask for personal financial information 4) Make sure that the website you are using is a secure website. To do this you should check that the beginning of URL in your browser address is ‘https://’ rather than just ‘http://’ 5) Purchase virus protection software and update it regularly. Use a programme to run scanning your computer from viruses 6) Ensure that you do not disclose your card verification number (CVV/CVC/ CID) which is printed on the back of your card. Better way is to note it down in a confidential way and smudge it so that it will not be known when you use your card in a restaurant etc.

7) As far as possible use your card / shop at recognized outlets rather than at unknown road side outlets / restaurants. At such outlets small bill can always be paid by cash.

8) If you happen to use the card at a restaurant keep an eye on the waiter to see that he does not appear nervous or anxious or in a hurry. This should put you on alert for future transactions which can be from a cloned card.

9) On line transactions need a online password. Do not reveal it to anyone.

BHU Trauma Centre Ladies Branch, Varanasi Zone

LDA Colony Ladies Branch Lucknow Zone

Golmuri Ladies Branch Jamshedpur Zone

MG Road Ladies Branch Agra Zone

Park Market Ladies Branch Dhanbad Zone

Film Nagar Ladies Branch Hyderabad Zone



Taarangan

June 2013

57

efJeefJeOe Hocus Focus Can you find six differences between the two pictures?

Meer<e&keâ øeefleÙeesefielee – HeefjCeece (ceeÛe&, 2013 Debkeâ)

1

Je<e& 2007 mes øeejbYe Meer<e&keâ øeefleÙeesefielee kesâ Debleie&le ncesb DeHeves Hee"keâeW keâer øeefleef›eâÙee øeeHle ngF& nw, Meer<e&keâ cetuÙeebkeâve ves meYeer øeeHle Meer<e&keâeW keâe DeOÙeÙeve efkeâÙee. leodvegmeej HeefjCeece efvecveefueefKele nQ :

2

øeLece Hegjmkeâej ` 300/Dece=lee Yeejleer, YeejleerÙe efJeÅeeYeJeve, cegbyeF&

Meer<e&keâ efueefKeS-22 censMe jeÙekeâJeej cee.me.efJe., Øe.keâe. meeceves efoS ieS efÛe$e keâe Meer<e&keâ efueKekeâj nceW Yespe oerefpeS. Ûeens Jen keâefJelee keâer hebefòeâÙeesW ceW nes Ùee Skeâ-oes MeyoeW ceW. meJe&ßes‰ Deewj ßes‰ Meer<e&keâ hegjmke=âle efkesâ peeSBies. Ùeefo Deehe Meer<e&keâ ceW efkeâmeer DevÙe keâefJe/uesKekeâ keâer hebefòeâÙeeB ØeÙeesie keâjles nQ lees Gmekeâe GuuesKe keâjsW.

ßeerceleer JemegOee helveer ßeer jecekegâceej jeÙe&, Deej.Sve. keâe@ueesveer MeeKee, hešvee ‘‘Ûeue nš cele yeve yeeOee cesjs heLe keâer, peeie Ûegkeâer nw veejer Deepe Yeejle keâer~ peceeves keâes yeoueves keâer Meefkeäle ntB ceQ, keâoce efceueekeâj Ûeueves lees os cegPekeâes~’’

efÉleerÙe (2) Hegjmkeâej ` 200/ßeer Deefveue efkeâMeesj, me.ce.Øe. (mes.efve.), Denceoeyeeo ‘‘Deyeuee Deye lees peeie ieF& nw, Jen mJeÙeb keâjsieer ieboieer keâes meeHeâ, Ûeens let efkeâleveer ceeHeâer ceebies, efHeâj Yeer veneR keâjsieer ceeHeâ~’' ßeerceleer keâefJelee cesIeeveer, Deeb.keâe., Yeesheeue ‘‘Deye ve jeskeâes legce keâoce nceejs, yengle Ûeueer legcnejer ceveceeveer nw, Deyekesâ pees Ûeueer nJee Jen veneR nw ¤keâves Jeeueer Deye heÌ{ves keâer, Deye yeÌ{ves keâer nceves "eveer nw~’'

Answer :

Fvekesâ Meer<e&keâeW keâer mejenvee keâer ieF&

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leejebieCe

petve 2013

mebpeÙe kegâceej efceßee - hešvee Deeb.keâe., DeJeveerMe kegâceej - nefjÉej MeeKee, ceOegkeâj - mšeHeâ ØeefMe#eCe, Yeesheeue, ØeYeekeâj Fueces - Yeb[eje MeeKee - mebheeokeâ

Deehe keânles nQ...

You said it...

‘leejebieCe’ ceeÛe& 2013 heef$ekeâe cegKehe=<" mes Deble lekeâ veejer Meefkeäle keâes meueece keâer YeeJevee keâes cegKeefjle keâjleer nw. meYeer uesKe, DeeuesKe, keâefJeleeDeesb keâer menpe DeefYeeqkeäleÙeeW keâer Øemlegefle ØeMebmeveerÙe nw. heef$ekeâe ceW Meeefceue uesKe meceÙeeÛeerve Deewj Øeieefle oMee&vesJeeues nQ. Deehekeâe ØeÙeeme mejenveerÙe nw. mebheeokeâ Deewj hetjer mebheeove šerce yeOeeF& keâer hee$e nw. heer. Deej. jefJe ceesnve, YeejleerÙe efj]peJe& yeQkeâ –—––————————————————————– ‘leejebieCe’ heef$ekeâe keâe ØelÙeskeâ he=<" GÛÛe mebheeove keâewMeue keâes oMee&lee nw. heef$ekeâe ceW meeceeefnle meYeer uesKe Je jÛeveeSb GÛÛemlejerÙe nQ SJeb ØelÙeskeâ he=<" mepeerJelee keâe Øeleerkeâ nw. cegPes Ùen keânves ceW keâesF& DeefleMÙeesefkeäle veneR nesieer efkeâ ‘leejebieCe’ ie=nheef$ekeâe mebhetCe& yeQkeâ Dee@@Heâ Fbef[Ùee keâes Deheves DeeieesMe ceW mecesšs ngS Ûejce hej nw. Fmekeâe efveKeje ngDee ¤he Deepe nceejs neLeeW ceW nw, efJeMes<ekeâj Fme Debkeâ ves veejer meMeefkeälekeâjCe keâer DeefYeveJe SJeb Devet"er efcemeeue keâeÙece keâer nw. jepeerJe kegâceej ieghlee, Deeb.Øe. Yeesheeue DebÛeue –—––————————————————————– I am very much moved on reading the March 2013 issue especially dedicated to women “SALUTE TO WOMEN POWER”. Really, it is one of the richest issues. Our CMD’s message is really a motivating factor for all the staff members particularly working women in our Bank. In a developing country like ours, transformation of the tradition ridden Indian society is only possible for the equal participation of women folk. I here would like to quote a saying of Napoleon who said, “Give me good mothers and I will give you a good nation. I congratulate the entire editorial team for a stupendous job in bringing out a presentable issue.

Vinod Dixit, Manager, NBG (Central)

–—––————————————————————– ‘leejebieCe’ keâe ceeÛe& 2013 keâe veejer efJeMes<eebkeâ Øeehle ngDee. heef$ekeâe kesâ hevves heuešles ner henuee Meyo pees cegnB mes efvekeâuee, Jees Lee ‘Jeen’. ØelÙeskeâ jÛevee keâe efÛe$eekeâbve, ØemlegleerkeâjCe Je mebÙeespeve Flevee Kegyemetjle Lee efkeâ Fme heef$ekeâe ves JÙeeJemeeefÙekeâ heef$ekeâeDeesb keâes Yeer heerÚs ÚesÌ[ efoÙee. ‘leejebieCe’ keâe nj Debkeâ megboj neslee nw, hej Fme Debkeâ ves lees ceevees efoue ner Út efueÙee. ‘leejebieCe’ šerce efJeMes<ekeâj mebheeokeâ cenesoÙe keâes yengle-yengle yeOeeF&. Ùener keâecevee nw efkeâ nceejer Ùen ie=nheef$ekeâe efmeleejs keâer ÚefJe keâes Deewj Ketyemetjle yeveeves ceW Fmeer Øekeâej Ùeesieoeve osleer jns. mecemle mšeHeâ meomÙe, peesOehegj MeeKee –—––————————————————————– ceeÛe& 2013 ‘leejebieCe’ kesâ ceeOÙece mes ceefnuee Meefkeäle keâes efkeâÙee ØeCeece, Deehekeâer melekeâ&lee Je Øeefleyeælelee keâe heefjÛeeÙekeâ nw. Jewmes lees ceQ ‘leejebieCe’ keâer efheÚueer 35 Je<eeX keâer Ùee$ee keâe mee#eer ntB efkeâbleg Deye pees ¤he efveKejkeâj DeeÙee nw Jen Deheveer hejekeâe<"e hej nw. Fme meodØeÙeeme kesâ efueS Deehe meeOegJeeo kesâ hee$e nQ. Ùen Debkeâ Flevee megboj yeve heÌ[e nw efkeâ Skeâ ner yeej ceW meeje heÌ{ efueÙee.

Sme. [er. hee"keâ, cegbyeF& ueepe& keâeheexjsš MeeKee

‘leejebieCe’ keâe Deblejje<š^erÙe ceefnuee efoJeme efJeMes<eebkeâ ceeÛe& 2013 mener DeLe& ceW efJeMes<eebkeâ jne. meeceieÇer keâe ÛeÙeve SJeb mebheeove Glke=â<š keâesefš keâe nw. meeLe ceW ØelÙeskeâ ceo keâer DeefYeJÙeefkeäle Fleveer efJeefMe<š jner efkeâ kegâÚ mšeHeâ-meomÙeeW kesâ neLe ceW Debkeâ Deeles ner Gvekesâ cegKe mes n<e& Godieej ner efvekeâue ieS. meb#eshe ceW lees Ùener keâne pee mekeâlee nw efkeâ Øemlegle Debkeâ mener DeLe& ceW efJeMes<eebkeâ nw Deewj nceejer yeQkeâ keâer meJeeËefiekeâ ØeJe=efleÙeeW keâe ohe&Ce nw. YeefJe<Ùe ceW Yeer nce Ssmes Glke=â<š DebkeâeW keâer Dehes#ee keâjles nQ. Jeso ØekeâeMe peesMeer, Ghe Dee.Øe., veJeer cegbyeF& DebÛeue –—––————————————————————– You truly celebrated WOMEN’S DAY by sending a copy to a retired woman officer of the bank. The issue was a treat to the readers like me. I do believe that A WOMAN’S liberation lies within herself. One has to assert oneself while not expecting any undue privileges because you are woman. I am sure with the women power really gaining in the bank literally and figuratively. (I wish, I was in service now when we have a woman CMD) and with the new and younger generation of men coming in, things will be more smooth for the women who have now joined the bank. I wish them all the very best .Once again, all compliments to you for bringing forth a special issue!

Vimla Menon, Ex-Staff

–—––————————————————————– ‘leejebieCe’ efleceener ie=nheef$ekeâe keâe ceeÛe& 2013 cegPes Ieeškeâeshej MeeKee ceW heÌ{ves keâes efceuee. Deehekeâe DeefYevebove keâjlee ntb efkeâ Deehe ‘leejebieCe’ kesâ mebheeokeâ nw. yengpeve meceepe, ceeÙevee@jeršer kesâ JÙeefkeäleÙeeW keâes mebheeokeâ keâe heo efceuevee DeefYeveboveerÙe nw. ceQ Deehekesâ yeQkeâ keâe 40 meeue mes keâmšcej ntB. Deehekeâe ‘leejebieCe’ Debkeâ Salute to Women, Stop Violence Against Women Debkeâ cegPes DelÙeble hemebo DeeÙee. heer.meer. peesMeer, «eenkeâ, ÛeWyetj MeeKee –—––————————————————————– ‘leejebieCe’ ie=nheef$ekeâe keâe ceeÛe& 2013 Debkeâ Øeehle ngDee. efoue keâer OeÌ[keâve yeve Ûegkeâer nceejer heef$ekeâe ‘leejebieCe’ DelÙevle megboj SJeb megefveÙeesefpele {bie mes Øemlegle keâer pee jner nw. Fmeer lejn efove-Øeefleefove nceW Øesefjle keâjleer ngF& Ùen heef$ekeâe Dehevee Deekeâ<e&keâ ¤he efueS Deeies DeieÇmej nesleer jns Deewj yegbefueoÙees keâes Útleer jns, Ùener keâecevee nw. meblees<e DejesÌ[e, jebÛeer DebÛeue –—––————————————————————– efHeâj mes veS jbie¤he ceW megmeefppele ‘leejebieCe’ keâe ceeÛe& 2013 Debkeâ Øeehle ngDee. ceefnuee meMeefkeälekeâjCe keâes meceefhe&le Ùen Debkeâ DelÙeble ØesjCeeoeÙeer nw Deewj nceW kegâÚ veÙee keâj iegpejves keâer ØesjCee oslee nw. Fme heef$ekeâe keâer meeceieÇer SJeb Gmemes Yeer yeÌ{keâj Gvekeâe ØemlegeflekeâjCe Flevee yesnlejerve Lee efkeâ efoue keâes Út ieÙee. Deeheves ‘leejebieCe’ ceW Deheveer ÙegJee meesÛe Deewj otjoefMe&le keâer Ssmeer Úehe ueieeF& nw efkeâ heef$ekeâe ceW Ûeej Ûeebo ueie ieS nQ Deewj nce pewmes veJeheuueJe ceW Yeer kegâÚ keâj efoKeeves keâe pepyee hewoe nes ieÙee nw. ceQ Deehekeâes yeOeeF&Ùeeb keäÙee otb yeme Flevee keân mekeâleer ntb efkeâ Deehekesâ DeLekeâ ØeÙeeme keâes cesje meueece. ceesefvekeâe Mecee&, efÚboJeeÌ[e MeeKee Taarangan

June 2013

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DeHeveer #ecelee keâes henÛeeves...

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leejebieCe

petve 2013